Choosing your dream home should be fun. At Coldwell Banker® Mortgage, our commitment is to treat you like family and to make the mortgage experience smooth, easy and at times fun. That's why over 95 percent of our customers say they would recommend Coldwell Banker Mortgage to their friends and family.

Call us today at 1-888-308-5965 to get started.

All you need to discover the most convenient home financing experience is 20 minutes and a telephone. Just call Coldwell Banker Mortgage any day of the week and we'll provide you with a loan decision the same day you contact us or we'll pay you $250. Then you can shop for the home of your dreams. When you find it, you can rest comfortably knowing that you have found the best price for your new mortgage.

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Utilize our custom Mortgage Calculator

We guarantee to meet your requested closing date or we will reduce your interest rate by 1/8th of one percent for the life of the loan .**Coldwell Banker Mortgage is part of our "Total Experience" - an integrated package of real estate services that will save you time and money, while minimizing the stress of a real estate transaction. This one-stop shopping experience is available exclusively for clients of Coldwell Banker Advantage Realty & Mortgage. To fulfill your dream of owning a home.

Unlock the Mystery of Your Credit Score

What is your credit score based on?
35%- Past payment history 30%- Balances
15%- Credit History 10%- Inquires
10%- Types of credit in use

Payment History- largest part of score- 35%
· Recent, frequency and severity of lates
· Recent lates weighted more heavily
· 0-6 months- harder hit, 7-23 months next

Balances- 30%
· Revolving accounts are more weighted than installment accounts
· Balances over 30% of available credit will take points away
· 1 card at $4000 and 4 other cards at 0 balances hurt you
· Revolving and home equity lines larger than 25,000 hurt score
· Make sure all credit cards report credit limit correctly

Credit History- 15%
· How long lines of credit have been open
· Lots of new accounts will hurt you
· Don’t close open accounts- try to use them once a month

Types of Credit- 10%
· Do not use finance companies

Inquiries- 10%
· Lots of different kinds of inquires will hurt
· Several mortgage pulls are treated as one inquiry if pulled with 14 days of each other- it’s ok to shop around.


1. Pay your bills on time. If you are going to be late paying something contact the company to see if they will give extension.
2. Don’t apply for a lot of credit at once.
3. If you are in the process of buying a house, don’t pay off old collections, they re-report and the late pays are then included in your scoring. Very often score will go down.
4. Know what reports to your credit report.
5. Fixing your credit is a time consuming process, so don’t wait until your ready to purchase a house to start.
6. Mortgage lenders, as a rule, do not require debts over 24 months to paid, and any medical debt to be paid regardless of age.
7. Most mortgage companies require 3 lines of credit established for 12 months or more. So don’t close all accounts.
8. If you are in the process of wanting to buy a home, don’t go furniture or car shopping, they will pull your credit and your score will go down.
9. Mortgage lates are weighted more heavily then consumer lates, so pay your mortgage on time.
10. Lenders will often treat Consumer Credit Consulting as a bankruptcy.
11. Pay all cards down to 30% or less of available credit- don’t consolidate cards.