Why waste everyones time looking at properties, getting your hopes up, then finding out you cannot get financing to buy it? The good news is Mortgage rates are at a 30 year low, even if you have less than perfect credit, I can suggest companies that can fix your credit now, guide you in repairing it yourself later, or better still give you a Mortgage quote today, considering your current credit situation and get you into a home in 30-45 days. The former belief that a lender running your credit score brings down your average has changed. Mortgage brokerage today is realized by the three major credit reporting agencies as a way of improving ones lifestyle not as a way to overcome debt. Therefore your score will not drop significantly by applying to only a few lenders helping you get a Mortgage.

I recommend the following companies because of their constant vigilance in satisfying client's needs.

• Joe Luzzi is a SC licensed Loan Originator for Capital Funding Group.