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.
  • © 2022 Options Financial Residential Mortgage is a division of American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

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

    Bend (serving bend and surrounding areas):
    NMLS 2120421
    21356 NE Eagles Way
    Bend OR 97701
    Licenced in OR, WA, AZ