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 […]

What should we expect in Closing Costs with our Bank of England Mortgage Home Mortgage Loan?

Debbie Scarantino NMLS # 167526 Learn more about closing costs at To learn more visit our other websites at: http://www.fhahomeloanapplication http://www.vahomeloanapplications Disclaimer: This is not a commitment to lend or extend credit. All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. Not all loans or […]


How can I improve my Bad Credit to obtain a USDA Home Mortgage Loan?

People wishing to pre-qualify for a USDA rural housing mortgage need to first have their credit pulled by a reputable loan originator. If it is determined that credit rehab is needed there are multiple ways to accomplish that. Every situation will be different but a seasoned mortgage professional will be able to instruct the client. […]


What are USDA Home Loan Rates?

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 advise from our Bank of England Mortgage Professionals.  Fill […]


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. […]


Do You Have a Mortgage Question?

We are most happy to answer questions you may have about any kind of mortgage loan, credit building, interest rates and where to begin?   Our loan professionals are here to answer any questions you may have. It’s simple just ask! Visit our other Mortgage Loan websites. Disclaimer: This is not a […]


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 […]