ACME Financial

Establish / Rebuild Credit

If you are serious about looking to buy or refinance a home in the near future, you will need established credit. Not having a long enough credit history, or a credit history that is less than ideal, can be one of the top reasons why you might be unsuccessful in securing a mortgage.

ACME Mortgage Professionals can get you on the right track to establishing or rebuilding your credit so lenders will have no problem lending you the money you need.

We have two credit establish/rebuild programs you can avail of:

Secured Visa

How the Secured Visa Credit Card Works

  • The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000
  • You get all the benefits of Visa, and your account will operate as a normal credit account.
  • If you decide to cancel your card, you can just pay off your outstanding balance, and you'll get your security deposit back.
  • The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you.

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Secured Loan

The loan program offers loans up to 3500 over 3 years to help build credit. No credit bureau is required. The secured loan places proceeds into a GIC with a national banking institution. Once the loan is paid you own the investment and the purpose is to save towards a down payment while rebuilding a good credit report.

To get more information contact us at info@acmefinancial.com and one of our professionals can get you started!