Michael Bush - Certified Mortgage Planning Specialist

Start Improving Your Credit Score Today!

Why is your Credit Score at it's Current Level?YesNo
Delinquent Payment history
Tax liens
Judgments
Collection accounts
Credit Inaccuracies
Duplicate delinquent credit accounts
Mismanagement of personal income
Purchasing habits
Due dates on debt
Inconsistent monthly or annual cash flow
Cosigned debt
Credit balances in relation to available credit
College tuition payments
Medical Bills
Delinquent income taxes
Limited or no credit history
Over Spending
Other:
"New Beginnings assured us they would help us reach our goal with their guidance. Within a few months, we were able to increase our credit score 47 points to purchase our dream home."

- Josh F, Taunton, MA
Was there a significant event that caused your credit situation?YesNo
Job loss
Reduced income due to reduction in overtime, bonus or commission income
Underemployment
Divorce
Payments increased to levels that made payments unsustainable
Identity theft
Medical condition / Illness
Death
Automobile repossession
Bankruptcy
Foreclosure
Short Sale
Deed in Lieu of foreclosure
Other:
"My experience with New Beginnings was truly worth it. In less than 30 days, my credit score increased 28 points. The New Beginnings team was always available to answer questions along the way."

- Hubert S, Attleboro, MA
What do you want to accomplish with an improved credit score? YesNo
Purchase a home
Refinance a home
Purchase a car
Purchase a durable good: refrigerator, washer dryer, furnace etc
Obtain a credit card
Reduce your interest payments on existing debt
Gain access to credit when needed under reasonable terms
Gain piece of mind
Gain financial stability
Gain confidence in choosing your creditors instead creditors choosing you
Other:
"Rates improved where I could lower my rate almost a full point with no closing costs. However, my credit score was 719 causing my mortgage insurance payment to increase $200 a month. With the coordinated effort of Mike Bush at Homestar and New Beginnings, I was able to increase my score to 741 within a few weeks. This allowed me to save $350 a month as opposed to $150."

- J. O'Neil, Arlington, MA
How would you allocate the additional income from reduced interest payments?YesNo
Payoff debt
Increase savings
Increase retirement contributions
Open an IRA
Save for children’s college tuition
Purchase an additional good
Other
"We had a 1st and 2nd mortgage. Due to our combined equity position, a higher credit score was needed allow us to refinance our home and save $400 per month. New beginnings helped us increase our score. Michael Bush showed us how to leverage the monthly savings to pay off our 2nd mortgage 12 years earlier saving us $36,000 in interest."

- Dan M. Narragansett, RI
What is your understanding of the credit scoring system?
Contact Information
Name
Email
Phone
Your privacy is important. Your information will not shared or sold. It will be emailed to Michael directly.

Michael Bush has been in the mortgage industry since 1995. As a Certified Mortgage Planning Specialist, Michael provides mortgage consultation services. He educates clients on the importance of viewing their mortgage as a financial instrument that is tied to their short, intermediate, and long term financial plans, allowing them to create a debt strategy that helps build long term wealth creation for them and their family over time. He works with his clients' CPA, financial planner and estate planning attorney to make sure they are using their real estate assets to maximize wealth creation and financial security over time.

Homestar Licenses | RI Broker #96000596LB - RI Lender #20031583LL | MA Broker/Lender #MC2340 | CT Correspondent Lender/Broker #12594