The mortgage process can be a little scary.  Whether it's your first home or your fifth, knowing the mortgage and credit evaluation process is difficult as it is a constantly changing proposition.  Royce Consulting is NOT a mortgage lender or a mortgage broker.  We are made up of mortgage industry professionals who are here to look out for your best interest and make sure you get the best deal financially possible. Each client receives a customized evaluation, based upon their needs and the consult requested.  Our fee could be nominal compared to the money you would spend on mortgage interest and settlement costs. Protecting yourself from an uneducated decision could realistically save you thousands of dollars over the life of your loan.  Below is a comparison:

Why should you choose Royce Consulting? It is an opportunity to be advised directly by a mortgage UNDERWRITER.  Underwriters are the individuals who make the decisions to approve or deny loan requests. All staff of Royce Consulting have been or currently are UNDERWRITERS with a minimum of 10 years active industry experience.  We are not loan officers trying to sell you on a particular program or rate.  We are here to give you an overview of your current financial and credit profile as seen from the underwriters point of view. Armed with information we can provide. you will be afforded the opportunity to make your personal situation appear in the best possible light so that you can get the best possible deal.  Once again, A home purchase is arguably one the most important decisions you will make in your life. Is this something you want to leave to chance or to a COMMISSIONED sales person?

The assistance we provide:  We will have you complete a short questionairre and send you instructions on where to obtain your credit report so that we can review. We then provide an initial 30 minute consultation by phone to review your specific needs, your credit report, and any potential loan programs you currently qualify for, based on your individual profile. We can also review any documents you have currently received from other mortgage professionals, and address questions you may already have.  Depending on your current credit status we can advise if your credit rating, financial profile and income level are sufficient to get the interest rate range and loan program you desire.  If your situation requires additional counseling, we can develop a roadmap to navigate the credit clean up process. We do not fix credit, but instead give you the tools to negotiate with creditors and credit bureaus, working together to improve your credit score over a period of time which in the end helps you get you a better deal.  Remember, you will be dealing with underwriters, the individuals who make the actual loan decisions on a daily basis.  Our fee for additional counseling is based on a sliding scale depending on your needs and time involved.  Initial consultation is $49.95 plus the cost obtaining your credit report. Remember, that our fees could save you thousands of dollars over the life of the loan you end up choosing!

For a Consultation-  Please click here.

 

Read about Credit Repair companies below- We are not a credit repair company and want you to be careful of the choices you make.   Remember if it sounds too good to be true, it probably is.!!!! The only way to clean up your credit is with hard work and patience. 

http://www.georgia.gov/00/article/0,2086,5426814_39039081_39271650,00.html

http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm

Legal Disclaimer: Our consultations are purely for informational purposes only. They are offered with the clear understanding that Royce Consulting is not engaged in rendering legal, accounting, tax, or real estate services.  If legal or other expert advice is needed, we counsel our clients to seek an expert in that particular field of need.  Royce Consulting's role is to analyze, educate, and advise our clients so they can make an informed, cost efficient choice regarding the loan application process and the lender of their choosing.