Access Loans Inc Specializing in Texas Mortgage, Texas Home Loans, Texas Mortgage Credit
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The credit information that we can provide you will help you secure your home loan. The information below will assist you in understanding your credit history and the affects it may have on your ability to secure a home loan.To find out more about your home loan click here for our on-line application.

Understanding Mortgage Credit
Credit Report Access
Credit Profile
What is a FICO Score?

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Understanding Mortgage Credit Apply Online
Every mortgage company determines the credit worthiness of a borrower in a slightly differently manner. In many cases, mortgage lenders use several different measures to determine a borrower's eligibility for a home loan. Some of the aspects of your credit that will be considered include payment history, amount of debt payments, bankruptcies, equity position, and credit scores. Your mortgage lender will help you help you further understand your credit rating and the impact it will have on your ability to obtain a home loan.

Credit Report Access Apply Online
Due to the Fair Credit Reporting Act, only you and those businesses that have a "legitimate business need and a permissible purpose" can view your credit profile. Unless you have given written consent individuals such as family members, neighbors, and co-workers are not allowed access to your credit profile. The businesses that generally have access to your credit information are credit grantors, collection agencies, employers, and insurance companies. Any company that receives a copy of your credit profile will be listed under the "Inquiry" section of your report.

Credit Profile Apply Online
Your credit profile provides mortgage brokers with information that will assist them in determining if you are eligible for a home loan. While this profile provides lenders with plenty of valuable information it is important to know that your race, religion, health records, criminal records and political preferences are not included in this report. Your credit profile provides information only about your employment history, credit information, public record information, and other inquires that have been made in the past.

What is a FICO Score? Apply Online
All home loan lenders evaluate the risk associated with loaning a borrower funds and many factors will determine a borrower's risk. One important factor is an individual's FICO score. Your FICO score is a numeric representation of your financial responsibility and this number is based on your credit history. A scale is used to measure FICO scores and the number can be anywhere between 300 and 850. The higher the number the less risk associated with extending credit to that borrower. FICO scores are provided to mortgage lenders by the three major credit reporting agencies: Equifax, Experian, and TransUnion. The scores from these agencies are used when evaluating your home loan application.

Texas Real Credit Information Apply Online
Learning about mortgage credit and understanding your credit score will help you secure a Texas home loan. Texas mortgage lenders use your credit score to evaluate your credit worthiness. Access Loans Inc in Texas for more information on your credit score.

Office: 936-436-0087 Fax: 936-436-1939
921 Mcleod Dr Huntsville TX 77320-7027 Email:
Access Loans Inc
Company NMLS #: 229378
Donald Ray Rast NMLS # 229375
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