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Demystifying Credit
Our S.M.A.R.T. Mortgage Specialists can help you navigate the credit abyss.
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MoveUP Michigan is brought to you by the team of S.M.A.R.T. Mortgage Specialists at Guild Mortgage Grand Rapids. In partnership with WZZM 13, Jonathan Arnold shares his tips for bullet-proofing your buying process to win the bid on your dream home. In this edition, we explore the abyss of Credit – the dos, the don’ts and the best bets!

Key Takeaways on Credit with Jonathan Arnold

• Online Scores Aren’t Accurate for Lending
• Early Credit Strategies Pay Dividends
• Every Circumstance Needs a Different Approach
• A Poor Credit Score Doesn’t Mean You Can’t Own

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Top 3 Credit Misconceptions

You are not alone if you have been putting off having your credit reviewed for the purposes of getting a mortgage.  There are so many things that run through people’s heads.  They want to pay off all their debt, close accounts, try to quickly build credit and their intentions are in the right place, BUT it can all backfire.  Credit is complex and everyone’s situation is completely different.

If you are even starting to think about purchasing a home, having your credit reviewed by a professional is absolutely the first step in the process.  A mortgage lender can offer you not only a review but also guidance on anything that could improve your unique situation.  Do you have these misconceptions?

  • Credit Misconception #1– I Know My Credit Scores
  • Credit Misconception #2– My Credit Scores will go Down if my Credit is Pulled
  • Credit Misconception #3– I Need to Pay Down/Off My Debts

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“Having experienced a few disheartening mortgage rejections, I can truly appreciate the value of dedication and adeptness the Jonathan Arnold Team provides. The entire process was very smooth and it seemed like every time I talked with them my confidence in closing grew significantly.There was never a question or concern that went unaddressed. They always had enough time to make sure I understood everything, in fact the level of personal attention I received really made everything feel so simple. If you’re on the fence about going with them, just get down… on their side… because they’re on yours!”

– C. Lewis

“Extraordinary. That’s what you get with Jonathan Arnold and his team. The level of professionalism, attentiveness, kindness and dedication that Jonathan and his team give to their clients is second to none. In an era of impersonal, digital, fast-paced and rushed interactions, I am so grateful to work with someone so hands-on and accessible. This is truly an unparalleled group. I highly recommend The Jonathan Arnold Team!”

– M. Root

“Jonathan and the team took care of us from start to finish and took the time to explain all the different options that we had available. Jonathan was at the closing to put a personal touch on it that you do not get from most mortgage companies. We would highly recommend Inlanta Mortgage to our friends and family.”
-The Maxwells

“The Jonathan Arnold team was so incredible and I am so lucky I got to work with them! I did not feel prepared for buying a house but they sat down with me several times and went over everything with me one on one and helped me understand everything. They did an amazing job explaining my options and referring the best options. I was comfortable asking them anything and they made the process so smooth and easy. I seriously could not have bought my house so quick and easily if it was for the them!”
– Colleen V.

“My husband and I are first time home buyers and were referred to Jonathan through a friend. Jonathan, Stephanie, and the whole team made this process so stress free. They got us into the loan that was perfect for us and explained everything we needed to know along the way. They answered any and all questions we had in a way that was easy to understand and kept us up to date throughout the whole process. We closed on our house this week and are officially homeowners! HIGHLY RECOMMEND!”
– Hallie

Guide: Understanding Credit Scores & The Impact on Your Mortgage

This in-depth guide describes two very different real-world scenarios and the unique solutions in each case. It also unpacks everything you need to know about how credit works in mortgage lending. Learn:

  • How lenders weight your credit score
  • The impact of credit scores on your mortgage rate
  • What scores are needed for each mortgage type
  • The impact of student loans, foreclosures and liens on mortgages and more.

Get the score on scores and download this guide!

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More Credit Resources

What is a S.M.A.R.T. Mortgage Consultation?

At Inlanta Grand Rapids, we think “outside the bank” with our S.M.A.R.T. Mortgage Consultation. S.M.A.R.T. stands for consultations that are: Strategic, Mindful, Authentic, Results-oriented, and Timely. It takes more than great rates to make a great mortgage. It takes ...
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What’s the Right Time To Look Into Your Credit?

Are you a renter who hopes to one day own your dream home? Are you looking to move up from your starter home? Did something catch your eye driving by? If you think you’ll even LOOK at a house for sale in West Michigan this year – or next — it’s time to take...
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Get the Score on Credit Scores

There are lots of places on the internet to learn your credit score. But if you’re planning to purchase a new home, these online scores don’t tell the whole story. A consumer score is meant to be educational. All information is the same that will be found on a mortgage...
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