It's not a loan, it's a solution.™

2009

We know that each client has specific and unique needs. New Start delivers a distinctive approach to each challenge.

We have over twenty years of industry experience, and we are stronger than ever, we know how to help and we know how to get it done.

Your mortgage is a huge commitment, Choose Wisely.

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Brace yourself: credit scores have dropped, Again!

Those with good credit may well recall being showered with praise by a mortgage broker during the initial purchase for that solid credit score.

That was then. This is now.

A few years ago, a score of 620 or higher was good enough. That increased to 680 in early 2008. Then it jumped to 720 in April last year and 740 in August.

In the past, any score of 700 or higher would get a double thumbs-up from credit experts. Now rate adjustments begin kicking in at 740, with every 20-point drop adding another adjustment.

In other words, many people who were taking pride in their credit habits either must pay significantly higher or try to make quick changes to nudge their scores upward. "What used to be great is now only good".