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Order Your Credit Report

ADVANTAGE CREDIT - $75.00 (+ tax)

Please read below before ordering.

Once we have received your on-line pre-application information, the next step in the Pre-Application process is for us to obtain a credit report on your behalf from the credit reporting agency that we are contracted with.  Since we are a Mortgage Broker and not a Mortgage Banker, we do not charge any fees for you to work with us…rather, we obtain financing through a network of wholesale mortgage lenders on your behalf based on the best terms for your borrowing scenario.  In doing so, we will be compensated by the Lender and not YOU!  This is referred to in the industry as a “Lender Paid” transaction as opposed to a “Borrower Paid” transaction. 

However, that being said, it is a two way street in that we can’t charge you for anything, and we can’t “give” you anything either (as established by Mortgage Lending Rules)…which simply means that we can’t give a free credit report.  Instead…you pay $75.00 (+ tax) just once for the credit report, and we can use that same credit report across our full network of wholesale mortgage providers, preventing your credit from being pulled by each Lender.

The name of the credit agency we use is ADVANTAGE CREDIT and the link below will allow you to securely place your credit report order and pay for the credit report, which will be $75.00 (+ tax).  The payment goes directly to ADVANTAGE CREDIT and does not come to us.  Once payment is made, we will have access to your report which we can then share with you.  No other person will have access to your credit report other than First Source Mortgage of Texas and the participating Underwriting Lender that reviews your application.

IMPORTANT

IF YOU ARE MARRIED OR ARE APPLYING FOR A MORTGAGE JOINTLY WITH ANOTHER PERSON, THE PRIMARY WAGE EARNER WOULD BE LISTED FIRST ON THE CREDIT REPORT ORDER AND THE JOINT APPLICANT ON THE CREDIT REPORT ORDER AS WOULD BE ENTERED AS “CO-APPLICANT”.


And of course…if you would like to speak to us first…before placing your order, feel free to call us.

First Source Mortgage of Texas is a VA approved Mortgage Broker.  First Source Mortgage of Texas, as with other mortgage companies, is not endorsed or sponsored by the Dept. of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD) or any government agency.

First Source Mortgage of Texas is registered with the Nationwide Multistate Licensing System (NMLS) and approved to offer Mortgage Loans in the State of Texas with a NMLS registration number of 2473133 whose principal Broker is Darren Charles Hamel – NMLS 207352 and primary business address of 17506 Heartwind Ct.  Houston, Texas  77095 and main phone number of (713)562-0236.  Please visit our website at www.FSMTexas for our complete disclosures.  This communication is provided only by First Source Mortgage of Texas and is not intended to imply that any of our loan products will be offered by or in conjunction with HUD, FHA, VA, the U.S. government or any federal, state or local governmental body.  This information is intended for illustrative purposes only and does not represent an actual mortgage transaction or representation of any mortgage loan application terms or scenario and is not an advertisement to or solicitation of a consumer.  Specific Underwriting guidelines apply.  Rates, terms, conditions, and availability are subject to change without prior notice.  For additional information about First Source Mortgage of Texas, please visit the NMLS Consumer Access page at:  nmlsconsumeraccess.org.  First Source Mortgage of Texas is an Equal Housing Opportunity Mortgage Broker.  

Phone Talk/Text: (713)562-0236

Fax: (860)631-1937

©2020 by First Source Mortgage of Texas.

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