Sign in to see your Favorites
Email address	Your email address is your sign-in name
Password	Remember me on this computer

Forgot your password?
Email address	Enter your email address and we'll send you a password reminder.

*First Name	*Last Name
This field is required.	This field is required.
*Email	*Confirm Email
This field is required.	This field is required.

*Select area(s) of interest
Please select at least one area of interest. Arizona Phoenix Province At Charleston Estates Province At Eastmark Province At Palm Valley Quisana The Cove at Vincenz The Meadows At Blue Horizons The Meadows at Highland Ridge The Meadows II At Highland Ridge The Villages And Meadows At Cortessa The Villages at Blue Horizons Villas At DC Ranch Northern California Bay Area Alicante At Questa Arbor Rose Castello at Sorrento Chateau at Fallon Crossing Dolcetto at Vintage Ranch Magnolia Place Miramonte at Questa Montalcino at Questa Oakridge at Monterra Penrose at Barrington Piazza at Sorrento Rose Garden Starflower Stonetree at Monterra The Summit at Schaefer Ranch Central Valley Montage at Tesoro - The Classic Series Montage at Tesoro - The Premiere Series Sacramento Acacia at Huntington Square Cypress at Huntington Square Equinox at Lincoln Crossing Legacy Oaks at Serrano Manzanita At Whitney Ranch Sagewood At Blackstone Meridian at Lincoln Crossing Saratoga at Whitney Ranch Southern California Bakersfield Standard Pacific Homes At West Village Standard Pacific Homes At Windwood Inland Empire Cambridge At Roripaugh Ranch Estates at Morgan Hill Mission Grove Montego At Roripaugh Ranch Orchard Glen Parkside II Reserve at Paseo Del Sol Southport at Heritage Lake Standard Pacific Homes At College Park Villas at Morgan Hill Vintage At Morgan Hill Waterford at Heritage Lake Wellesley At College Park Westmont College Park Los Angeles Harbor Highlands Orange County Alcott Casero At Portola Springs Montserrat At Blackstone Paseo At La Floresta Sorano at Blackstone Standard Pacific Bungalows at Rancho Mission Viejo Standard Pacific Casitas at Rancho Mission Viejo Standard Pacific Homes At Amerige Heights San Diego Bellasario At Stonebridge Estates Presidio Westcott At La Costa Oaks Ventura Pacific Crossing The Avenue The Bungalows The Hideaway The Marketplace Waypointe Carolinas Charlotte Austin's Creek Executive Collection Austin's Creek Legacy Collection Bear Creek At Palisades Beckett Brightwalk Freedom Series Townhomes Brightwalk Single Family Brightwalk Village Collection Townhomes Byers Creek Chapel Cove Eppington Preservation Pointe The Forest at Fort Mill The Highlands at Glenmore The Villages at Skybrook Waterlynn Townhomes Water's Edge Village Collection Weddington Trace Estate Collection Weddington Trace Preserve Collection Raleigh / Durham Country Club Collection @ Lennox at Brier Creek Seville at Brier Creek - Paseo Collection The Birkshires at Townhall Commons The Bluffs In Village Square At Amberly The Glen In Village Square At Amberly The Trace In Village Square At Amberly Lennox @ Brier Creek - Signature II Collection Chamberlynne Brightleaf Trace Seville at Brier Creek - Designer II Collection Mulberry Park Northampton Park at West Lake Renaissance Park Townhomes Salem Village Cottage Collection Salem Village Estates Salem Village Preserve Thompson Ridge Designer Collection Thompson Ridge Freedom Collection Thompson Ridge Village Collection Weatherfield Colorado Denver Anthem Highlands Conservatory Green Heirloom - Porchlight Collection Heirloom - Summerfield Collection Kings Ridge Crest Kings Ridge Pointe Regency Stapleton Summit At Candelas Wildgrass Townhomes Florida Jacksonville Eagle Landing Forest Hammock Greenleaf Village At Nocatee Grovewood At King And Bear North Creek Palencia Samara Lakes Whisper Ridge Reserve Miami / Ft. Lauderdale / Palm Beach Cobblestone Carriages Cobblestone - The Courtyards Montclair Monterey Prado Riverbend The Oaks Watercrest At Parkland - Horizon Collection Watercrest At Parkland - Solstice Collection Watercrest At Parkland - Vista Collection Orlando Arden Park Chandler Estates Eagle Lake East Lake Park Foxchase Hunters Run Reserve at Minneola Shingle Creek Reserve at The Oaks The Overlook At Johns Lake Pointe The Reserve At Golden Isle Tampa Bellafield At Seven Oaks Cordoba Estates Crosby Crossings Deerfield Lakes Glenbrook at Watergrass Grey Hawk Haven Bend Lone Star Ranch - Bridlewood Townhomes Meadow Pointe - Windsor Panther Trace - Lyndhurst Peregrina At Watergrass Sabal Point At Seven Oaks Tampa Palms - Tuscany Tanglewood Preserve The Retreat At Carrollwood Texas Austin Avaña - Esquel Canyon Crossing At Highpointe Crossings At Twin Creeks Cypress Ridge At Rough Hollow Domain At The Ranch At Brushy Creek Grove At The Ranch At Brushy Creek Heights At The Ranch At Brushy Creek Hills at Paloma Lake Mueller House Condominiums Northwoods At Avery Ranch Retreat at The Ranch at Brushy Creek Dallas / Fort Worth Carlisle at Lantana Fall Creek Lakehill Laviana At Lantana Liberty Maxwell Creek Riverton At Phillips Creek Ranch - 66' Homesites Riverton At Phillips Creek Ranch - 75' Homesites Shady Oaks Sienna At Stone Hollow Stoney Creek The Bluffs At Heritage The Preserve at Pecan Creek Toscana At Stone Hollow Vicenza At Stone Hollow Waterton At Phillips Creek Ranch - 55' Homesites Waterton At Phillips Creek Ranch - 65' Homesites Weston At Phillips Creek Ranch - 90' Homesites Turnberry at Trophy Club

Understand your credit report

Contact a Mortgage Loan Officer:

Email Us

Good information about credit
scores and reports. Thanks!

Mitchell M., Austin, Texas

Your credit report and credit score give lenders objective information they can use to assess your credit worthiness. Standard Pacific Mortgage uses them for the same purpose, as well as to determine which loan programs are best for you. The better your credit report -- and the higher your credit score -- the easier it will be for you to get loan approval. People with better credit are also more likely to get lower interest rates; lower credit scores can limit your access to better rates (and sometimes lead to additional fees).

How Credit Reporting Works

Credit reporting agencies receive information about all of your credit accounts – credit cards, personal loans, auto loans or leases, mortgages, and so on -- from your lenders. This information is then compiled into a credit report that includes:

Payment history -- on-time, late and delinquent payments, closed accounts and public records (like tax liens and bankruptcies)
Amounts owed -- how much you owe on each account
Length of credit history – how long you’ve held each account, and how often you use it
New credit -- recently opened accounts and recent inquiries
Types of credit – credit cards, loans, and mortgages

Your credit report includes both positive and negative information, which provides a detailed picture of your credit worthiness. The information is also used to generate your credit score – a three-digit number that acts as a snapshot of your credit.

There are three credit-reporting agencies in the United States (see the listing on the side of this page), all of which capture information and provide reports. While most of your information appears on all three reports, there may be some variations; one report may include information not available on the others. That is why it’s important that you keep track of all three credit reports.

Credit reports are based entirely on financial information provided by creditors. It is illegal for credit reporting agencies to consider any other factors in determining your credit status, including race, ethnicity, religion, national origin, gender, sexual preference, marital status, age, salary, occupation, employment history, where you live, interest rates on your accounts, child/family support obligations, information not on your credit report, or if you are in credit counseling.

Checking your credit report

It is important to make sure that all the information that appears on your credit reports is correct. Check all three of your credit reports once a year, especially before making large purchases. You’re entitled to one free credit report from each agency every year. You can request all three credit reports from The Fair Isaac Company at www.myFICO.com.

If you believe that your credit report contains incorrect information, notify the credit reporting agency in writing with copies of supporting documents. The agency must investigate and respond to your inquiry within 30 days. Please keep your Standard Pacific Loan Officer informed about any action you’re taking so we can order another credit report after changes have been made.

Tips for healthy credit

There are no quick-fixes for improving your credit, so it’s important to get and keep your scores and reports healthy. Here are some guidelines for managing your credit positively:

Pay your bills on time. Delinquent payments have a major impact on your credit score.
Contact your creditors if you are having trouble paying your bills. Communication is key, and lenders will often work with borrowers to create more manageable payments.
Keep credit card balances low. High debt can negatively affect your score.
Pay off debt instead of moving it around. Even zero-interest balance transfers often come with hefty transfer fees.
Keep your accounts open. Closing unused credit cards doesn’t improve short-term credit scores.
Don’t open new accounts. New credit card accounts you don’t need won’t increase your available credit.
Don’t open too many new accounts all at once. Too many new accounts raise red flags.
Shop for loans all at once. Multiple credit inquiries can bring your credit score down – but if you shop for certain types of loans within a set period of time, all the inquiries only count as one. For example, when you shop for a mortgage, all the credit inquiries made by lenders within 45 days only show up as a single inquiry.
Gradually reestablish credit if you’ve had problems. Opening and paying new accounts responsibly will help improve your score over time.

Understand your credit report

How Credit Reporting Works

Prequalify

CREDIT REPORTING AGENCIES

Areas and Neighborhoods

Let Us Assist You

Need information? A quick answer? Want to schedule an appointment? The Standard Pacific Homes team is ready to help. Simply provide your information below.