Home loan program offered by national network of nonprofits
Our Promise to You
We are committed to delivering fair & flexible home loans to improve the lives of our customers.
Read Our Pledge
Opportunity Extra Credit
Your trained Loan Counselor will work with you when your credit history works against you.
Like many people who are thinking about Buying or Refinancing a home, you may be worried that your credit history could keep you from getting a fair and affordable home loan.
Maybe you’re just starting to get your finances back in shape following a recent divorce, illness, or other major change in your life. Or perhaps you simply haven’t had enough experience using credit cards or other types of credit to build a strong credit history.
Well, don’t worry–we understand.
The Opportunity Extra Credit* Home Loan Program** may be what you need. Contact a Loan Counselor at 1.800.416.6204 .
We work with you!
Opportunity Extra Credit is a Savvy Sound & SafeSM Home Loan program offered exclusively through a nationwide network of nonprofit organizations dedicated to building strong communities by providing home loans to deserving people just like you.
What makes Opportunity Extra Credit such a good choice is that it is designed to give responsible people with less than perfect credit the opportunity to qualify for the financing they deserve.*
Opportunity Extra Credit allows you to use a variety of non-traditional and alternative sources of credit to demonstrate your creditworthiness.
Among the sources you can use are:- Rent
- Utilities bills
- Long distance, local telephone, and cell phone bills
- Tithing
- Other recurring bills and payments
So, if you don’t have a lot of experience using credit, or you are working to improve your credit rating, Opportunity Extra Credit can be the perfect solution.
We treat you fairly, too
These days, you can find lenders right here in our community who will say they are willing to work with you to provide a loan that meets your needs.
But if you take a good look at the fine print in their loan contracts, you will probably find all kinds of features that are anything but fair–high interest rates, excessive fees, balloon payments, and costly prepayment penalties.
Opportunity Extra Credit is one home loan you can really trust. It’s not just flexible–it’s also fair and affordable.
You get a competitive, 30-year, fixed interest rate, so you will never be faced with sudden rate adjustments and rising monthly payments. And there are absolutely no excessive fees or penalties, or other abusive terms found in predatory loans.
Partners you can count on!
We believe that a home loan is much more than a financial transaction–it’;s a partnership. With Opportunity Extra Credit, you can count on having strong, reliable partners working with you throughout the entire life of your loan.
Before and after your loan closes, your Loan Counselor will arrange free homebuyer education to help you to understand the features of your loan and to meet the financial challenges of homeownership. Every step of the way, your Loan Counselor will be there to provide guidance and to answer all of your questions.
And you can trust the guidance your Loan Counselor provides. All of the Loan Counselors are certified by a national nonprofit organization formed to uphold fair and safe lending practices around the country.
Meet with a Loan Counselor today!
Your trained Loan Counselor is committed to helping you to meet the credit challenges you face and to get into–and keep–a home of your own.
To learn all about how the highly flexible Opportunity Extra Credit Home Loan Program can help you buy the home you deserve, just speak with a Loan Counselor today.
Just call 1.800.416.6204 and you will be connected to a Loan Counselor right away.