• What's your scenario?

    When it comes to getting a mortgage, you've got more options than you think. Everyone's situation is different. Tell me your scenario below, and I'll present you with all your options.

Close this form


Questions? Give us a call or chat now!
Ready for your free, no-obligation personalized rate quote?
Get Started Today
< The Mortgage Credit Report

Credit History

The credit bureaus collect data on all loan activity that is reported, which is used to compile your credit history. The credit history is the key to utilizing the past as a predictor of future behavior. All accounts, whether current or closed are filed with specific information regarding your account activity.

Date of last activity

Date opened

Date last reported

Monthly payment

Credit limit or original opening balance

Date the account was last delinquent (if ever)

Number of months reported

History of past due instances (if any)

The type of account -


Installment loan

Revolving loan

Open, 30 day charge

Line of credit

Status of the account -

0 – too new to rate

1 – current

2 – 30 days past due

3 – 60 days past due

4 – 90 days past due

5-120 days past due

6 - 150 days past due

7 – bankruptcy or wage earner plan

8 – foreclosure or repossession

9 – charged off or collection item

U – unrated

ECOA code – The responsible party-

Not identified by the creditor

Individual account

Joint account

Authorized to use another’s account

Shared joint account


Co-signer (responsible only in case of default)

Maker, individual account

Terminated, closed account


When it comes to getting a mortgage

you have more options than you think

  • How much mortgage do I qualify for?

    The #1 question first time home buyers ask is: How much mortgage do I qualify for? This is READ MORE
  • FAQs: Florida FHA Loan Requirements for 2018

    Basic Questions What is the maximum FHA loan amount in 2018? Maximum loan amount vary by c READ MORE
  • How much mortgage do I qualify for?

    The #1 question first time home buyers ask is: How much mortgage do I qualify for? This is READ MORE
  • Call Today! (407) 704-8729 Hours: 8:30am to 9:00pm EST

  • View $1000 Best Rate Guarantee Terms & Conditions | All rights reserved © 2018 Florida Home Funding.

    Sondi And Associates, Inc. dba Florida Home Funding. NMLS ID: 870878 Location: 390 N Orange Ave #2125, Orlando, FL 32801 | Phone: (407) 704-8729

    Content provided by The information provided on this site is for basic informational purposes only and IS NOT intended as a substitute for professional or legal advice.
    Notice: Florida Home Funding (NMLS ID: 870878) and My Town Realty (License #: CQ1049127) are both wholly-owned entities of Shahram Sondi (NMLS ID: 186790, License #: BK3225742). Due to this relationship, any referral between these two entities has the potential to financially benefit Shahram Sondi. Under no circumstance are you required to engage the services of one or both of these entities.
  • Explore Florida Home Funding