Credit Basics

Waiting periods for derogatory credit

Waiting periods for derogatory credit

Several of our clients come to us after some sort of mishap with their credit or previous mortgage.  Whether it was a foreclosure, short sale, or bankruptcy, they all ask the same thing.  When can I purchase again? It is an important question for the borrower to know...

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How balance transfers impact your FICO score

How balance transfers impact your FICO score

Boosting your credit can take time, patience, and effort.  A tool to consider when boosting, or even maintaining your credit is balance transfers. Here are some important things to remember when considering a balance transfer. Consolidating simplifies payments.   Some...

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5 Categories that make up your FICO score

5 Categories that make up your FICO score

Understanding Your Fico Score  FICO scores are used to determine if you are creditworthy when applying for a loan.  My team and I believe the first step to enhancing your credit score is understanding what factors are driving your score.  Today I am going to focus on...

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All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 210 S. Mill Rd., Ste. 104, Kennett Square, PA 19348. Phone 484-222-2620. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.