Credit Grade Calculator

Please enter the information as best you can to find out your credit grade.

Section A: Mortgage Lates

Within the last 24 months have you had any late payments on your mortgage?

If yes, continue, otherwise skip to section B.

Number of Mortgage Lates

Within the last 12 months

Between 13 and 24 months ago

30-59 days late

60-89 days late

90+ days late

Are you currently late on your mortgages?

Section B: Consumer Loan Lates

Have you had any late payments on your credit cards, auto loans, student loans or any other consumer debts?

If yes continue, otherwise skip to section C.

Number of Consumer Lates

Within the last 12 months

Between 13 and 24 months ago

30-59 days late

60-89 days late

90+ days late

Are you currently late on your consumer loan payments?

Section C: Collections, Charge offs, Judgements, Tax Lien

Do you have any collections, charge offs, judgements or tax liens?

Section D: Bankruptcies

Have you been bankrupt during the last 7 years?

Section E: Foreclosures

Have you had any foreclosures during the last 7 years?

Section F: Payment load

Do you have a lot of consumer debts, such as credit cards, auto loans, student loans, etc.?

Section G: Equity in your property

The value of my house is $
The total amount of loans on my house are $

Horizon Financial Corporation (headquarters) - 271 Route 46 West, Unit H103 - Fairfield, NJ 07004
Office: (973) 244-5626 Fax: (973) 244-9364 Toll Free Nationwide: (888) 448-2594

Horizon Financial Corporation is a licensed mortgage banker, CT and NJ Department of Banking and registered mortgage broker AZ, FL, NY and TN Department of Banking; dba Horizon Mortgage (New York), Horizon Mortgage Capital (Florida) and Horizon Funding (Arizona and Tennessee). All loans in AZ, FL, NY and TN are arranged through third party providers.

Horizon Financial Corporation is not affiliated with TFS Securities, Inc. when conducting mortgage related activities.

AAMB - Arizona Association of Mortgage Brokers

FAMB - Florida Association of Mortgage Brokers

NAMB - National Association of Mortgage Brokers