Chris Wagner

This is a sponsored article from our friends at Mortgage Lending Solutions in Monaca. If you are looking for a great team to get you the best possible deal on your next mortgage or to refinance your existing mortgage, these are the guys you want to talk with!

Regular readers of Your Beaver County will always notice quite a few home listings on our homepage. The Beaver County real estate market is ripe, and could become a lot more fruitful in the coming years.

Our cost of living is one of the best in the country. We have great schools, fantastic amenities, decent infrastructure that continues to improve, quality medical facilities, and we are only a short drive from one of the greatest cities in America. All being told, living in Beaver County is better than most of our residents make it out to be.

The Mortgage Lending Experts

With that being said, I am proud to announce a partnership with the leading mortgage lender in the county, Mortgage Lending Solutions, located in Monaca, and its president, Chris Wagner.

Chris is the consummate professional and extremely knowledgeable in the lending industry. Chris and his staff are leading the way in helping families secure the proper financing needed. You can’t purchase a home without a mortgage. If you are trying to lower some of your other finances such as your car loan then visit

In order to give our readers a better idea of some of the nuances of securing a mortgage, we posed a few questions to Chris about how to improve your credit in order to get a mortgage at an acceptable interest rate.

How To Improve Your Credit

Let’s face it. A lot of folks have poor credit.

Once your credit becomes bad, it’s a very tough and sometimes a lengthy process to restore that credit. Chris explained that there are no quick solutions to solving credit problems.

One of the fastest improvements you can make is to pay down credit card balances to less than 25% of “high credit” and keep them at this level.

Letting your balance exceed credit limit will quickly reduce your credit score, which is not what you want. So, first of all ask yourself What Is a Good Credit Score? How Can I Get One? Also, you want to make sure all payments are made within a calendar month.


What Is a Good Credit Score?

We’ve all seen credit reports and credit scores, but do you really know what a good score is? For some, this might be an obvious answer, but for others, the answer might not be as obvious.

Having a really high credit score, or anything in excess of 720, is really important and allows you to qualify for all loan programs with the best rates. Think of your credit score like bowling: the higher score wins.

In terms of getting approved for a loan, your credit score generally has to be at least 640 in order to meet requirements for approval. If your score is even slightly below 600, you might be at risk for higher interest rates and additional documentation.

So, what do you do if your credit score is below 600? How do you get financing? Without these scores, usually no loan is available. That is why making timely payments on all credit cards and other outstanding loans is vital to improving your credit score, and to ensure you can get the financing you need.

Working With Mortgage Lending Solutions

Why is Mortgage Lending Solutions the best place to go when you need a mortgage? Chris and his staff work with numerous lenders to obtain the best rates and products.

MLS obtains wholesale rates and in turn can offer lower rates than banks can offer to their customers.

I can attest to this firsthand because Chris helped me get my first mortgage. He kept me informed throughout the entire process, and I was left in the dark about nothing. Chris couldn’t have made it any easier for me.

Mortgage Lending Solutions has over 50 years combined experience. With multiple products and lenders, this allows for more options for consumers. It is locally owned and not controlled by stockholders.

Chris said it best:

Being locally owned with lower overhead than banks puts us in a very favorable situation to pass savings along to consumers, and only specializing in mortgages means our clients get personal attention as we focus only on the mortgage business.”

Mortgage Lending Solutions

Want more information about getting a mortgage or refinancing your existing mortgage?

Shoot us your name and number and someone from MLS will give you a call!

Marc is a lifelong resident of Beaver County. A 2001 graduate of Center High School and 2005 graduate of Point Park University, Marc is employed by the Pennsylvania Cyber Charter School and officiates high school and college football. Follow Marc on Twitter, Snapchat, and Instagram @marcgrando