The first step to getting pre-approved for a mortgage loan to is to call (John Cushma) at 412-551-8970, or complete the Pre-Approval Application. The initial pre-approval phone call should only take a few minutes, and once pre-approved, we will have longer conversations to educate you on various types mortgages, run scenarios, and more. Contact me today!
What is the lowest credit score you will work with?
The lowest credit score that I can work with is a 580 middle score. There are three credit reporting bureaus and we use the middle of those scores. Ideally you want at least a 640 middle score to obtain the best rates/guidelines/programs.
Do you offer credit repair help?
Yes! I help anyone that is in need of credit repair. Some clients just need a little Band-Aid, whereas others need a total overhaul. I will help as much as possible, but remember that credit repair is not quick or easy, and you must be determined to want to improve your score.
How long does it take to approve and close a mortgage loan?
My average time for a closing is 21 days, however I can accommodate almost any time frame and rush things through if needed.
I want to buy a home, but don't have any money saved for a down payment.
Not a problem! There are a few options that we can discuss for you to purchase a home with little to no money needed out of pocket.
My income situation is tough to document, can you help me?
Loans that do not require the verification of income are called Stated Income Loans. These are no longer allowed for a primary residence, however, I can assist with some private money options if the home will be used only as an investment property.
John Cushma is a hands on Loan Officer from start to finish
For informational purposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions. Not all programs available in all areas. CrossCountry Mortgage Inc. is a Pennsylvania Corporation headquartered at 22 Rutgers Road, Pittsburgh, PA 15205. NMLS# 1423174 #3029; www.nmlsconsumeraccess.org; Equal Housing Opportunity.