Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Â Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Kozel Mortgage Team powered by GoRascal
NMLS #2072896
The Drew Kozel Team is built on one simple belief. Mortgages should make sense.
Led by Drew Kozel, our team focuses on clear education, honest guidance, and real plans. No sales pressure. No industry jargon. And no mystery math that leaves you guessing.
We specialize in helping borrowers with complex situations, especially self-employed borrowers with write-offs, retirees exploring reverse mortgage options, and individuals navigating home financing during or after divorce. These are the scenarios where most lenders get uncomfortable. This is where we do our best work.
That said, we also help buyers using conventional, FHA, and VA loan programs. Whether your situation is straightforward or layered, our process stays the same. Explain the options. Clarify the trade-offs. Build a plan that actually fits your life.
If you can’t qualify today, we don’t shut the door. We map out a clear path forward so you know exactly what needs to happen next.
Our approach is simple and transparent. We break everything down in plain English, focus on what actually matters, and guide you step by step so you stay in control of the process. Clients often tell us they feel calmer, more confident, and finally understand their financing after just one conversation.
At the end of the day, our job is simple.
Help you understand your choices.
Avoid costly mistakes.
And move forward with clarity.
No hype.
No confusion.
Just a smarter way to approach home financing.
Drew Kozel
Mortgage Broker // Â NMLS #1595185
We’re here to help you make finding a mortgage, refinancing your home, navigating the VA loan process and much more painless! Centered on service and building relationships you can expect responsiveness and a partner in this process who has your back. Whether you need advice on rebuilding credit or purchasing your first investment property, we are positioned to help you be successful.
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