Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Â Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Pat Owen
President // Â NMLS #2239284
At Oak Knoll Lending, we believe that home financing should be personal, transparent, and built on trust. Founded and led by Pat Owen, Oak Knoll Lending was created with a vision to bring integrity and service back to the mortgage experience. With decades of experience in real estate and mortgage lending, Pat has guided clients through every market cycle, helping families and investors alike achieve their goals with clarity and confidence.
Our team specializes in residential and commercial mortgage solutions, offering a full range of loan products including Conventional, FHA, VA, USDA, Reverse, and Non-QM programs. Whether you’re a first-time buyer, a seasoned homeowner, or an investor expanding your portfolio, Oak Knoll Lending tailors financing options to fit your unique needs—not the other way around.
As an independent brokerage, we partner with top wholesale lenders nationwide, ensuring our clients receive competitive rates, flexible terms, and fast closings. But what truly sets us apart is our commitment to communication, education, and relationships. Every client is treated as a long-term partner, not a transaction.
At Oak Knoll Lending, we don’t just close loans—we build futures. Under the leadership of Pat Owen, our mission remains simple: to empower clients with expert guidance, personalized solutions, and a mortgage experience they can feel good about from start to finish.
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