Do you know if your past short sale, modification, deed-in-lieu or excessive mortgage late payments will show up as a foreclosure and cause you problems when getting a new mortgage?
Check the map below for local National Foundation for Consumer Credit (NFCC) and HUD approved housing counseling agencies who can assist you to check your credit and then submit your file into the Fannie Mae system for results. If there are problems, counselors will be able to assist with corrections so that you can be “mortgage ready” when you are eligible for a mortgage again.
If you are a realtor. lender or credit reporting agency that would like to be a referring partner of affected clients, you are welcome to be part of this network as well.
After services to assist in correcting credit are applied, you can proceed to your local realtor, lender and loan originator for a new mortgage when eligible again.
Foreclosure Credit Fix Network
Loan Originator/Innovative Mortgage Services, Inc., NMLS#250769
Pam Marron, NMLS#246438
Ms. Marron has worked as a loan originator in Florida for 32 years and is well versed in providing conventional, FHA, VA and USDA residential mortgages to consumers. For the last 7 years, Marron’s specialty has been to work with the credit and housing counseling industries on problems that have resulted from the housing crisis. In 2016, Ms. Marron was appointed to the HUD Housing Counseling Federal Advisory Committee.
National Foundation for Credit Counseling
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.
National Consumer Reporting Association
The National Credit Reporting Association, Inc.(NCRA) is a national trade organization of consumer reporting agencies and associated professionals that provide products and services to hundreds of thousands of credit grantors, employers, landlords and all types of general businesses. NCRA’s membership includes two of every three mortgage credit reporting agencies in the United States that can produce a credit report that meets the requirements of Fannie Mae, Freddie Mac and HUD for mortgage lending. Additionally, our members produce reports for employment screening and tenant screening.
Mortgage Broker/Loan Originator
Lisa Lund NMLS# 164243
The Lund Mortgage Team Difference
We’re a family-owned business with roots in the same community we work in. Founded by Stan Lund and now led by Lisa Lund, Lund Mortgage Team is true to its name – a team of people committed to giving each customer the best home loan experience possible. Our commitment to leading edge technology and excellent service means the Lund Team leads the way in the mortgage field.