For Mortgage Professionals

How to Refer Borrowers

Refer Your Borrowers to the Experts in Credit Scoring for Home Loans

Credit Security Group's team of experts has over 50 years of experience in credit reporting, FICO scoring, the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA) and mortgage lending requirements.

Lance Stewart, Credit Analyst, Credit Security Group
LANCE STEWART
Senior Analyst
Twelve years experience analyzing credit reports for mortgage loans; teaches continuing education course on FICO Credit Scoring for Mortgage Professionals.
Diana5
DIANA ALLEN
Director of Research
Certified FICO Professional. Twelve years experience managing communications with creditors and Credit Reporting Agencies; expert in FCRA and FDCPA.
Eddie Johansson, President, Credit Security Group
EDDIE JOHANSSON
President
Nationally-recognized expert in credit scoring; expert witness in federal court on FCRA cases; guest speaker to banking associations.
Rosalind Johansson, Credit Analyst, Credit Security Group
ROSALIND JOHANSSON
Snr. VP/Analyst
Thirteen years experience in credit scoring for home loans; Expert in Fair Debt Collection Practices Act; specializes in communications with collection companies.
Mike Garcia, Credit Analyst, Credit Security Group
MIKE GARCIA
Senior Analyst
Seventeen years experience in FICO credit scoring for mortgage lending. Analyzed credit reports for over twelve thousand borrowers in co-ordination with lenders.

How do I refer my borrower?

  1. You can give your borrower our name and phone/website and recommend they contact us.
    We don't recommend you recommend us this way. Most don't contact us; you think you have a borrower referred to us and you don't. Plus you haven't helped the borrower, just given them the bad news.
  2. You can tell the borrower that you work with someone who can help them – really help them no matter what their situation is: educate them, analyze their situation and goals, and get them on the right track to a home.Then:
    • Ask for their permission to send Credit Security Group their information, and your loan marching orders, in order to contact them.
    • Let them know there is a reasonable fee for the education and analysis (with a money-back guarantee).
    • Fill out and send the referral form to get the needed information to us.

    We've learned that borrowers who are looking for the truth and are committed to doing what it takes are the ones who will make it back for you to close. Our process is an excellent qualifying tool for you; those that are motivated stay in your queue through us.

We also realize this takes time and effort from you. Many of our referrers have a team member handle the process of referring.

 

Secure Payment Portal

Refer A Borrower

Why should I refer my borrower?

In addition to helping borrowers, closing more loans and building relationships with your realtors, we can save you time, money and trouble.

You save the time spent trying to do credit repair, with or without an internet application: all the time it takes to learn credit scoring and report analysis as well as communicating, educating, instructing and following-up with borrowers.

You save money spent on internet applications and rescoring. On rescoring: we know when accounts update with different bureaus, and what bureaus and accounts need to be updated. Often, natural updates will eliminate the need and cost of rescoring. We will also help you avoid either rescoring too many accounts/bureaus or too few.

You save the trouble of being a credit repair loan officer and the risk of over-promising, being wrong, and damaging relationships.

What happens after I refer?

• We notify you that we've received the referral.

• We contact the borrower and discuss our services and inform you about the result of this discussion, whether they agreed to consultation or not.

• If they agree to the Credit Security Analysis, we let you know the result.

  • If all they need is the analysis and are executing the plan on their own, we tell you that and then, after the plan time period, we send you a communication that their plan should be completed.
  • If they need additional services from us, you are kept updated on their progress and notified when they're ready to come back for their loan.

We keep you informed, your referral remains attached to you, and we get them back to you as soon as possible.

The experts in credit scores for mortgage loans.

We Serve Mortgage Professionals Nationwide

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Want more information?

Please let us know if you have any questions or special circumstances that we can help you with. Use the form to send us an email and we'll get back to you quickly.

ADDRESS

2245 Keller Way, Suite 320
Carrollton, Texas 75006

PHONE

972.820.0342

FAX

214.367.3930