Your credit can be and most likely will be one of the most important factors involving any mortgage or refinancing option. You have the right to obtain your credit report for free through www.annualcreditreport.com once a year. All of the numbers can be confusing, and downright complicated. Just because you’ve been told NO before, you may still have options available or even ways that you can improve your credit. Give one of our Mortgage Specialist a call and they can help you sort through everything and discuss options.