Want some tips to help increase your credit scores? Your credit utilization is the amount of your available credit you use — the less you use, the better it is for your score and your mortgage rate. Paying your balances in full each month may not always be an option, so be sure to take advantage when it is. We are mortgage brokers and located in Fairfield,CA. We aim to be the best mortgage company with low mortgage rate options for refinances and a home loan purchase. We serve the mortgage needs for all of California, the cities of Fairfield, Vacaville,Vallejo, and surrounding cities. Call us or visit my website to learn more on how to start the home buying process or if you are looking at refinance options.