As lenders tighten up their qualifying guidelines, we are finding that many eligible borrowers are having challenges due to inaccuracies on their credit reports. Sena & Associates is passionate about giving everyone the opportunity to share in the dream of home ownership. If something from your past has a negative impact on your current credit situation, we have a solution through our partners to get you on the right track immediately.

We have two options for home ownership today:

1. Work with our Las Vegas Credit Restoration Partner and wait until you can qualify for a conventional mortgage loan in the near future. You can continue to search the Las Vegas MLS here or request a custom instant notification based on your real estate search criteria. (Contact us)

2. Move Into Your Property Now on our lease to own program and work with our Las Vegas credit restoration partner over the next year. We have several sellers who are willing to work with us on our lease option program that allows borrowers to move into a property in one year with no money down and built in equity. In the past, standard lease to own programs tended to benefit the seller more than the buyer. Sena & Associates has a win win lease to own program that allows our sellers breathing room from the burden of their mortgage payment while giving the buyer an opportunity to lock in a discounted purchase price and have all closing costs and down payments covered at the contract close date. Click here to read about our Las Vegas lease to own program.

How does credit restoration work?

A common misconception about credit is that you have to wait until negative items or mistakes drop off after a certain amount of time. What people don't realize is that they have rights creditors have to protect by law. There is a certain process creditors have to follow when reporting any activity that affects a person's credit score.

Here are the four basic ways our Las Vegas Credit Restoration company can help:

1. Professional Consultation and Review

Any inaccuracies can have a significantly negative impact on a credit score. Our credit professionals will thoroughly go over your credit report and search for any inconsistencies or blatant mistakes that may be reporting on your credit. It is amazing how some minor things can shift scores several points. Since mortgage programs rely heavily on credit scores, it is important to pay close attention to every detail of your credit report and information.

2. Dispute your inaccuracies and negative items

Our credit professionals have advanced credit dispute systems to ensure the timeliest results. There are certain laws that creditors have to abide by when handling a request for a dispute. You will receive a secure log in and constant updates of the dispute process. Communication is a high priority of Sena & Associates. Our ultimate goal is your success as a home owner and we will closely monitor your progress every step of the way.

3. Our Financial specialists work your case

Our Las Vegas Credit Restoration partner will dispute your items by using their arsenal of proven techniques to challenge negative items directly with the credit bureaus. You will be assigned to one professional credit restoration consultant that will personally handle each round of inaccurate, unverifiable and incomplete negative item disputes to the bureaus.

4. Sit back and wait for results

"The credit bureaus have a reasonable amount of time (roughly 30-50 days) to investigate your dispute. Of course with mail time, we figure 45-60 days from the time we draft letters to when you will have most or all the responses in the mail and forwarded to us. Within that time they must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report and you will then send it to us to move your case forward. The cycle begins again, and we remove more negative items from your reports."

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