How long does it take to fix a bad credit score?

Debbie Scarantino is a licensed Credit Counselor and will work with you step by step to turn your credit around and pre qualify for your home mortgage loan. It can take from 6 to 12 months to improve scores. Often scores can be corrected quickly if it is errors that are corrected. Debbie Scarantino NMLS […]


Can a home mortgage loan include renovation costs?

Yes, however most rehab loans to improve properties are done using an FHA loan known as the FHA 203k loan. These loans require a 3.5 percent down payment on the total of the purchase and the amount of the home improvements needed. Our mortgage officers are very skilled at these mortgage loans. Call us for […]


Is it possible to get a ZERO DOWN PAYMENT Mortgage Loan?

Positively yes!We serve the Knoxville, Nashville, and Sevierville areas of Tennessee. We also serve 49 states. It is possible to get a Zero Down Payment mortgage loan using the USDA rural development housing program. We do many each and every month. Our mortgage bankers are highly experienced in this loan product averaging over 20 years. […]


What are Pre Qualification Requirements for a USDA Mortgage Loan?

Applicants for a USDA home loan only need a minimal credit score of 620 showing three verifiable 12 month credit trade lines such as auto loans credit cards, and/or installment loans or rental history. Two years documentable employment history. The new guidelines do have household income limits, but they vary case-by case depending on how many […]


Who Qualifies for a USDA Mortgage Loan?

Debbie Scarantino NMLS #167526 To learn more visit our other websites at: http://www.fhahomeloanapplication http://www.vahomeloanapplications Apply with the Fast Track application here for pre-qualification: Click the Apply Now Button to make formal application. Use our Beginning Home Application Response Form below to receive free information and advice from our Bank of England Mortgage Professionals.  Fill out […]


What is a USDA Mortgage Loan?

A USDA home loan from the USDA loan program, is also known as the USDA Rural Development Guaranteed Housing Loan Program. They are mortgage loans offered to rural property owners by the United States Department of Agriculture. This loan product is a fantastic way for first-time homebuyers acquire the home of their dreams. We specialize in […]