My Credit Score

What is a Credit Score?

A credit score, or a FICO® score, is a summary of the history of your spending.
The choices you make and the attentiveness to how you spend your money will either open or close your options.  Knowing how to demonstrate that you can responsibly control your money will improve your score and, in turn, open up your options.

Your credit score can range from 300 (lowest) to 850 (highest).  A higher score will increase a lender’s confidence that you will pay your mortgage on time and in full.  If your credit score is high, your monthly interest rate will be lower.  If your credit score is low, your monthly interest rate will be higher.

Credit Score is a Game

The rules of the credit score game were never shared with the common person.
At Options Financial Residential Mortgage, we have the knowledge to aid you in playing the game successfully.  If you don’t have a good credit score, we will provide you with the action plan to improve your credit score.  This will put you in a better position to buy a home.  If you already have a good credit score, we can show you how to get an even better score.

Take command of your credit score and start opening up your financial options.

Call our team and let us share the rules of the game with you.

  • The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
  • © 2024 The Turnkey Foundation Inc. DBA Options Financial | 866.639.6554 | Restrictions may apply. Program rates, prices, guidelines, fees, costs, terms and conditions are subject to change without notice. Not intended to solicit buyers or sellers currently under contract with a brokerage. Whole or partial reproduction is forbidden without written permission from the publisher. Equal Housing Lender. NMLS# 236669 | DRE# 01845041
    Arbor NMLS #236669 | Arbor DRE #01845041

    Privacy & Security | NMLS Consumer Access | Accessibility Statement
    NMLS 829593 / 236669 Licensed in OR, WA, CA, ID, TN, TX, AZ | Licensed by the Dept of Financial Protection and Innovation under the CRMLA. Licensed under the Oregon Consumer Finance Act. AZBK 0906702

    © Copyright 2022 - Options Financial Residential Mortgage

  • Beaverton Office:
    NMLS 829593
    8625 SW Cascade Ave., Ste. 270
    Beaverton, Oregon 97008
    Licenced in OR, WA, CA, ID, TN,
    TX, AZ, CO