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.
About Us
OM Mortgage LLC
NMLS #1972491
At OM Mortgage, you truly get the best of both worlds. As both a lender and a broker, we give you direct access to competitive in-house lending options while also offering the flexibility to shop the market with multiple wholesale lenders. This means more choices, better terms, and solutions tailored to your unique needs.
We are a multi-state residential mortgage company committed to one thing: YOU. Our promise is simple—putting you and your family first to ensure you receive the right mortgage product, fair fees, and the kind of service and advice that builds lasting relationships.
With over 350 years of combined experience, our team has guided clients through every market cycle. That perspective has made us a lifetime mortgage partner—the one that will be there when your children buy their first home, just like mom and dad did.
We approach lending with our proven S.M.A.R.T. communication process:
- Secure. Your information is always protected with the highest standards.
- Modern. We use the latest mortgage technology for faster, smarter solutions.
- Available. Our team is here for you 24/7/365.
- Reliable. No matter the situation, you are always our priority.
- Transparent. Honesty and integrity aren’t just words—they’re the way we do business.
