What is BestQualify?
Who runs this site, what it is for, and what it costs.
What it is
BestQualify is a division of Credit Technologies, Inc., an independently owned mortgage credit reporting agency since 1990.
BestQualify has three parts:
- guides that explain how mortgage lenders read your credit, with a calculator that shows what a score is worth;
- a directory of loan officers (coming soon);
- Pro Pages: a page for a loan officer or a real estate agent, where you can learn about them and, if you choose, start a prequalification with them.
What it is not
- It is not a lender or a mortgage brokerage. We do not make loans, quote rates, or decide who qualifies. Rates, terms and program eligibility are set by your lender.
- It does not steer you. You can use any lender, including one that is not listed here.
The loan officers listed on BestQualify are Credit Technologies clients: their companies pay us for credit reports and related services. That is our commercial interest, and it is why every page says so.
How it works
- Reading needs no account. What you enter in the calculator and your plan stays in your browser.
- Some steps need a lender's order, such as the credit report and scores a lender uses, or a rescore. A lender orders them, and you can use any lender. If you want a loan officer, the directory and Pro Pages show ones who work with Credit Technologies; the choice is yours.
- Learning here asks for no personal information. We ask for an email only if you choose to subscribe, to save your place and resume later, or when you write to us.
- Ordering a credit report is a separate step, which you authorize, with the loan officer you choose. You may take what you learn here to any lender.
What is paid
- Free: the guides, the calculator, the directory, and Pro Pages for loan officers and agents.
- Paid: credit reports. If you order one, you see the price before you authorize it.
- You never pay for a Score Express rescore; your loan officer requests it.