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What is credit score and why is it important?

Your score is part of a credit report, which is compiled by credit agencies, and contains information about your bill payment history, loans, current debt, and other financials.

You are entitled to order a free copy of your credit report every 12 months from each of the major credit reporting agencies (Equifax, Experian, and TransUnion) through AnnualCreditReport.com. This is the only site that is government authorized to provide you with free copies of your credit report.

What if you have a credit score in the lower ranges?

Most lenders like to see credit scores in the “Excellent” or “Good” range. They think that the higher the credit score, the less of a risk you will be in how well you can pay back your loan. Sometimes finding home financing can feel like a challenge if you fall in the “Fair”, “Poor”, or “Bad” ranges.

Even if you think your credit score is too low to get a home, Vylla is here to help you learn your options.

The Federal Housing Administration (FHA) is a government agency that offers loan programs that make getting a mortgage easier for those with limited credit experience and less funds for down payments or monthly payments.

We have FHA or VA loan that works with your criteria and gives you a simple rate, payment and no closing costs, in addition to:

  • No appraisal fees
  • No lender financing fees typically associated with a home loan
  • No unanticipated lender costs, including additional title or escrow charges

How can you get started?

Get your free credit report from AnnualCreditReport.com and find out your range to pre-qualify .  This will help you understand how your credit score influences your loan options.


We give you instant access to a letter and real information on what you can afford so you can get moving on your home search. Let’s get started.

What could your mortgage look like?

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