WHO WE HELP
At HPM Financial LLC our mission is to offer personalized credit solutions to benefit your credit needs. We help people from all walks of life who are looking to correct past mistakes and move forward in life. We want to make sure that our clients are able to make informed decisions so that they do not get stuck in the trap that 79% of Americans are suffering through. If you are just starting out trying to establish credit or have gone through a tough time and found that your credit does not correctly reflect you as a person we can help.
Your Credit Score Determines Your Financial Future
Your credit score is the biggest determining factor lenders look at when assessing your risk for any type of loan. This 3-digit number affects the outcome of you getting an auto or home loan; not to mention if you want to refinance your mortgage, manage your debt, and save for the long run. Employers now often check your credit report prior to hiring new employees or granting security clearance, and even insurance companies are using credit scores to determine the premium they charge. The difference between good and bad credit can end up being anywhere from $50,000-$750,000 over your lifetime.
And if you are able to qualify for a loan, your credit score affects the rate you will be offered. Because of this, having a healthy credit score may save you hundreds if not thousands of dollars every month because you’ll be paying much lower interest rates and will have more high paying jobs available then someone with less then perfect credit.
If you have a less then perfect credit score then our Credit Optimization Service may be the right solution to help you qualify for the lowest rates available to you, it may help you achieve the financial freedom you’ve been looking for.