K1 Realty Group LLC
Royanne Mitchell, Realtor | MBA

Before applying for mortgage pre-approval, you'll need to check your credit report. You’re entitled to a free copy from each of the major credit bureaus once every 12 months. Obtain your report at www.annualcreditreport.com and review the information for mistakes. Errors can impact your credit score, bringing it down, and this can impact whether you’re approved, as well as whether you qualify for the best mortgage rates.  It’s also important to note that, if you’re getting a conventional mortgage, you usually need a credit score of at least 620 to qualify for a mortgage. You might be able to get a mortgage preapproval with a lower score, and there are programs, like FHA loans, that allow lower scores, but the higher your score, the lower your interest rate.  The following provides solution services to help prepare you for a mortgage pre-approval based on where you are with your finances and your credit.

Restore your score and maximize your financial opportunities, especially in getting approved for a home loan! Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with credit experts and a proven system to eliminate any inaccurate, obsolete or erroneous accounts. Learn the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.
CLICK HERE to sign up or find out more!

If you don't have enough credit, START BUILDING YOUR CREDIT with this card!  The First Progress Platinum MasterCard® Secured Credit Card is a full-feature Platinum MasterCard® with a credit line based on a security deposit rather than on a credit score. You post a security deposit to establish your credit line and that deposit serves as collateral for your obligations on the secured credit card account. The card is designed to advance the accumulation of new information in a credit file by reporting account activity to all three of the major national credit bureaus every month. And because it’s a
full-feature Platinum MasterCard®, the card provides the protection, convenience, and prestige of the worldwide MasterCard® system.  First Progress Platinum MasterCard® Secured Credit Cards are issued by Synovus Bank, Columbus, GA, member FDIC.
$44 Annual Fee only!
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When it comes to determining your credit score, the largest impact to your score is Payment History. This one factor influences 35% of your score. Reporting your last 2 years of rent payments is the easiest way to establish Payment History and positively impact your credit. Get Credit for Your Past 24 Months of On Time Rent Payments & Quickly Establish Positive Credit History.
CLICK HERE to get started or find out more!

Reviews on Zillow
"Ms. Mitchell is very professional. She listens to her client needs and wants. She is a gem! My husband and I have met several real estate agents ... more "
by jd73339
"Royanne Mitchell diligent, provided her expertise, patience, and advise through the entire! Couldn’t have asked for a better realtor, she helped down ... more "
by zuser20140313173321937
"Wow...so awesome..she was very knowledgeable. She seems like she loves to help people. She payed attention to what I was interested in. She found a ... more "
by Conlanarmour

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