Wholesale Mortgage Brokers
(801) 889-6555
Hours: 9AM-5PM
Weekdays
NMLS ID# 2554429
We have moved!
2825 E Cottonwood Parkway
Suite 500
Salt Lake City, UT 84121
(Next to Market Street Grill)
Prime 1 Credit Repair
Debra Bigler
801-623-1566
Your Path to Mortgage Approval
We don’t just provide loans — we help pave the way to approval
Whether you need to boost your score for better loan terms or repair past credit issues to qualify, we’re here to guide you with personalized strategies tailored to mortgage approval.
✅ Remove negative items
– We work with trusted credit specialists to dispute and resolve inaccurate or outdated information.
✅ Establish positive credit
– From secured credit cards to authorized user accounts, we’ll guide you in setting up accounts that work in your favor.
✅ Optimize existing accounts
– Managing balances wisely and paying on time can dramatically improve your score.
✅ Custom mortgage-focused strategies
– Not all credit repair is the same.
We have proven ways to build or rebuild credit, and we’ll help you every step of the way:
How Credit Scores Work: The 5 Key Factors
Understanding how credit scores work:
#1. Most Important - Payment History (35%) – On-time payments are crucial. Even one missed payment can lower your score, making it harder to qualify for a mortgage.
#2 Credit Utilization (30%) – Keeping credit card balances low (below 10% of your limit) improves your score and signals responsible credit use.
#3 Length of Credit History (15%) – The longer you’ve had credit accounts open, the better. Lenders like to see a well-established track record.
#4 Types of Credit Used (10%) – A combination of revolving credit (credit cards) and installment loans (auto, student, or mortgage loans) helps improve your score.
#5 Frequency of Credit (10%) – Too many recent applications can temporarily lower your score, so be strategic when applying for new credit.
If you have any questions we didn't answer, please email
info@FliteFinancial.com
This material is presented for informational purposes only and should not be construed as individual tax or financial advice. Flite Financial, nor any of it's affiliates, do not provide legal advice. By selecting any external link on FliteFinancial.com, you will leave the Flite Financial website and jump to an unaffiliated third-party website that may offer a different privacy policy and level of security. The third party is responsible for website content and system availability. Flite Financial does not offer, endorse, recommend or guarantee any product or service available on that entity's website.
I just want to take a moment to express my heartfelt gratitude to every single member of my amazing team at Flite Financial. Your dedication, hard work, and unwavering support are the foundation of our success, and I truly couldn’t do it without you. Each of you brings something unique and invaluable to the table, and together, we’ve built something truly special. Whether it’s going above and beyond for our clients, solving challenges with creativity, or supporting each other through every step of the process, I’m incredibly grateful for everything you do. Thank you for being such a vital part of this journey – I’m lucky to have such an extraordinary team by my side!
~ Brad Barton
© 2024 Flite Financial, Inc. - All Rights Reserved
NMLS ID 2554429
2825 E Cottonwood Parkway, Suite 500
Salt Lake City, UT 84121
Fax 801-405-7693
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