Get personalized financial advice from a mortgage expert for free so you can buy, sell, or invest with confidence.
Does this sound like you?
Looking for a strategy to buy a home in the current market?
Want to know how to move into a different home when your current one is financed at a very low interest rate ?
Are ready to build a clear, achievable plan to save for a down payment or get better educated about down payment assistance?
Would like to know creative ways to build or improve your credit?
Excited to invest in real estate and want to know financing options that are tailored to your goals?
Would like to know how lenders look at your finances and credit before you fall in love with a new home?
Would like to know how much house you can realistically afford without being financially burdened?
Want to improve your financial situation and are ready to cut through the noise and speak with someone who isn't trying to sell you something?
A free, 15-minute phone call could empower you with the financial knowledge and realistic plan you need to move forward.
Just 15 minutes on your end. (I'll do the rest 😁.) Let me show you what I mean:
Hi! 👋 I’m Berton.
Mortgage consultant, financial advisor, licensed loan officer, Husband, Father and DM.
Before joining the financial industry I’d purchased 3 homes, completely unaware that I'd overpaid thousands of dollars along the way. Turns out, my family and friends had similar stories too. Why? There’s a serious lack of easy to understand, easy to implement information out there to help people be in the best position possible when they want to finance a home.
Now, I help people learn and implement financial strategies before they finance a home or investment property so they can save money, invest more and build generational wealth. I can't wait to help you get started too!
Here's exactly what we go over on a Smart Start call...
Assets
A combination of
savings, checking, retirement accounts the way LENDERS see them.
Income
Your monthly pre-tax income from employment, social security, pensions, etc.
Liabilities
The total of your monthly payments for mortgages, loans, and credit cards.
Credit Score
Your FICO credit score. The one used by lenders when considering a mortgage.
DTI
Your Debt to Income Ratio. A percentage of how much of your gross monthly income goes toward paying off debts. (The lower, the better.)
After the call, I'll analyze your financial situation and the next day, you'll get a Smart Start report in your inbox, customized to your specific goals.
If you decide we should pull your credit, I'll use a software package called CreditXpert®, to evaluate your credit and give you a tailored plan to raise your credit score.
Here's an example of a Smart Start report:
Here's how this information helps:
Lenders calculate income, assets and liabilities a certain way when underwriting a mortgage. Sometimes these calculations can surprise would-be home owners and ends up costing them more money at closing or even makes them have to wait before they can buy a home!
I work with mortgage experts with combined decades of experience. There are tried and true ways to prepare for financing a home or investment property
specific to your situation and goals that can be shared with you .
CreditXpert analyses your credit and creates a plan to improve your credit score with a high probability of success. A better credit score means a better interest rate and a better interest rate saves thousands of dollars over the life of a loan. For investors, a better credit score and interest rate has an even more pronounced impact on rates they're offered.
Frequently Asked Questions
Will my credit score be affected if you pull my credit?
Most of the time when anyone checks credit, the score goes down by a few points then back to where it was after a few weeks. Wouldn't it be nice if someone could give you simple strategies to improve your score? 😊
Is Smart Start guaranteed to improve my credit score?
I'm not going to lie, improving your credit score may require you to change your spending habits. I’m here to give you the information you need, but ultimately, it’s up to you to use it! CreditXpert is a simulator with a high percentage of accuracy. If you follow through with the recommendations in your Smart Start report, your credit score has a high likelihood of going up.
What is CreditXpert?
CreditXpert is software that helps lenders improve borrowers' credit scores. It uses predictive analytics to identify people’s credit potential. I use this information, along with your specific goals, to create a plan to improve your credit score with a high percentage of reliability. Their website is https://creditxpert.com
My credit score is already pretty high. Do I still need this?
Why not? Most free credit monitoring services only show part of the picture. Smart Start not only gives you your actual FICO score with a plan to make it even better, but you also get feedback on how lenders view your financial situation.
I'm a real estate investor. How will this help me?
Sometimes just a few points of improvement in a credit score can make a lot of difference. For example, I once worked with an investor who had a credit score of 697. All we needed to do was to make a small change to their credit card profile to improve their credit score to over 700. That small change made a .5% difference in the interest rate they were offered, a savings of over $26,000 over the life of their loan!
Schedule your Smart Start call
Get in touch with Bigfoot Mortgage
Email: [email protected]
Address
120 Suburban Road Suite 108, Knoxville, TN 37932
Hours
Mon – Fri 8:00am – 4:00pm or by appointment
Phone Number:
865-346-5554
Legal stuff:
Berton Pinkham NMLS# 2619363 Bigfoot Mortgage NMLS# 2608668 www.nmlsconsumeraccess.org
Office Phone: 865-940-6110 - Equal Housing Lender
State Licenses Page: https://canopymortgage.com/state-licenses/
Privacy Policy: https://canopymortgage.com/privacy-policy/
Terms of Use: https://canopymortgage.com/terms-of-use/
CreditXpert® is a registered trademark of CreditXpert Inc., and does not endorse nor is affiliated with Bigfoot Mortgage in any way. I am an independent mortgage professional using this software for credit analysis.
