Kalamazoo Mortgage

Where You're a Neighbor, not a Number

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Credit Enrichment Program

Through our Credit Enrichment program, we help put you in the best position to obtain a home mortgage.

When mortgage lenders review your application, they look at your ability to pay back the loan and your willingness to pay back the loan. Your income-to-debt obligation ratio is key in determining your ability to repay, while your credit score is essential in determining your willingness to repay. Ultimately, your credit score drives whether you qualify for a mortgage and determines the interest rate you will earn.

By taking steps to manage your finances, you can improve your overall credit score. There are many factors that determine a credit score besides late pays. Are you currently carrying high balances on your existing credit cards or line of credit? This can  affect your overall score. How many open credit accounts or trade lines you have can be a factor. Surprisingly, too much available credit can also impact your credit score.

Our Credit Enrichment Program pairs you with one of our specialists to assess your current credit situation. Our specialists will work with you to develop and implement strategies to improve your credit score. This may include creating savings plans, establishing repayment schedules, closing/consolidating certain accounts or disputing information on your credit report. Our specialists will work with you to strengthen your profile through good sound financial practices. By getting your finances in order, this should greatly improve your credit score giving you a greater chance to qualify for a better loan.

Contact Kalamazoo Mortgage today to help you get back on track.

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Blake Upston
Blake Upston

Got me taken care of and was very painless and efficient. I would highly recommend them to anyone!

Blake Upston, (...)

 
Garr J Russell
Garr J Russell

I have been working with Kalamazoo Mortgage for a couple years now and love their heart for creating homeowners!

(...)

 
Josh Gettig
Josh Gettig

EXCELLENT TEAM!! Great customer service!! The Guys and Gals are GREAT to work with!!

Josh Gettig

 
Rich LaPorte
Rich LaPorte

The first mortgage company I suggest to my clients. Great customer service and they truly mean "Where you are a ne (...)

 
David Rice
David Rice

Thank-You for all your help with my financing. The communication during the process was excellent and your staff w (...)

 
Tiffany Bernstein
Tiffany Bernstein

Thank you so much to the team at Kalamazoo Mortgage! They made the process of buying our first house so much easie (...)

 
Sy Spears
Sy Spears

"With your help we are now able to close on our dream house. Thanks again for all your hard work.

Sy Spears, Scho (...)

 
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KALAMAZOO MORTGAGE & KM MORTGAGE GROUP

KALAMAZOO MORTGAGE & KM MORTGAGE GROUP
2425 S 11th St
Kalamazoo, MI 49009-2197
Phone: (269) 364-6000

Fax: (269) 216-6340

E-mail: info@kzoomortgage.com

NMLS # 130562

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Information subject to change without notice.
This is not an offer for extension of credit or a commitment to lend.

Site last updated 04/05/18

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