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About Credit

You need to know and should want to know your credit score and what’s in your credit report. Your credit affects more than just the rate you pay on your mortgage. It’s used as a resource for many applications. Employers sometimes look at your credit history as do most other creditors when you apply for other debt and sometimes insurance rates are even affected by your credit score! It’s become one of the single most important factors in determining your quality of life.

M.O.M. wants you to understand your credit report, what your score is, how it changes and why. Our loan officers will take the time to go over it with you line by line.

You should monitor your credit because mistakes happen! You’d be surprised at how many times we find errors on a report and unless you go through it with a fine tooth comb on a regular basis, you won’t know!

If you’ve had credit problems in the past, education is your best friend! Knowing what, how and why a score goes up and down will help you re-establish your credit as quickly as possible.

The best education we can give you is going through your credit report with you, which we’ll do at no cost to you as part of our, “Mortgages On Main Commitment.” If you’d like to learn more about credit scores you can log on to and go to the Credit Education link.