It’s interesting how many Florida first time home buyers, even right here in Brevard County, have never reviewed their credit history prior to shopping for their FL mortgage.  For those that do review – congratulations!  You are on the right track in obtaining your FL first time home buyer mortgage.  This information is the first thing FL Mortgage Professionals review when assisting buyers with their mortgage loan options.  Making sure the information is accurate and up to date is important and allows a buyer enough time, if needed, to correct a mistake that could be the difference in the loan approval decision.

If you are a FL first time home buyer and wish to review your credit history or report; the Fair Credit Reporting Act guarantees you FREE access to your credit report each year form all three credit bureaus – Equifax, Experian and TransUnion.  You can access your free credit report from  Once you have reviewed and corrected any mistakes reported; feel free to contact our office or call me at 407.733.6425 and inquire about the next step in getting a written FL mortgage prequalification letter and loan approval commitment.  Knowing your credit is the first step towards home ownership.  Stephen Thaggard

Stephen Thaggard, NMLS 356309,  Sr Loan Officer, licensed in Florida,

Embrace Home Loans, NMLS 2184,  485 N Keller Road, Suite 550, Maitland, FL 32751