Get A Home Loan In Cincinnati
Easy Way To Get A Home Loan In Cincinnati
Getting a home loan in Cincinnati has never been easier at McKinley Mortgage. Over the last twenty years McKinley Mortgage has closed thousands of loans for people in the Cincinnati area just like you. Our team of experienced mortgage professionals will help you navigate the complicated loan process.
WE MAKE HOME MORTGAGES EASY!
Our team understands that applying for a home loan can be intimidating and at times overwhelming. That’s why you need a local mortgage professional that can walk you step-by-step through the process. McKinley Mortgage is conveniently located in Blue Ash and is easily accessible for everyone throughout the Tri-State area.
Worried about your credit score?
Fear of home loan denial has led some home buyers to not apply for a mortgage. But, while you’ll still have to provide proof of your income and assets and an explanation of your low credit score, it is possible to get a mortgage with a low credit score from some lenders. McKinley Mortgage will go above and beyond to make sure we get your loan closed and you get in the home of your dreams.
‘Fair’ to ‘poor’ is considered a low credit score
There aren’t any hard lines between a “good” and “bad” credit score. The scores break down like this:
Credit Scores Explained
A number, roughly between 300 and 850, that summarizes a consumer’s creditworthiness.
The higher the score, the more able and willing a consumer is to repay a loan, lenders believe. The best mortgage rates and terms go to borrowers with credit scores of 740 and higher. Generally, a “low” credit score is in the “fair” to “poor” ranges below.
740 and higher = excellent
661 to 739 = good
601 to 660 = fair
501 to 600 = poor
500 or lower = bad
Don’t know what your credit score is? Not a problem. We will work with you to make sure you can secure the home loan you need.
Don’t know how much you can afford? Our experienced mortgage professionals will help you do the correct calculations.
When Should You Apply?
If you are looking to purchase a home or refinance your current home. We make the home loan pre-approval process is easy! Simply fill out the form below and we will help you get started in the process right away.
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