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curated credit expertise with

Doug Presley

Doug Presley

NMLS #1967246

Mortgage Advisor

Learn More about your mortgage professional:

I am a self-sourcing mortgage broker licensed in Texas and Florida. I work for a small mortgage company that has been in business for over 16 years. As a broker, I have relationships with over 15 investors, where I send my loans to. I am involved and understand the whole loan process from beginning to end. From the initial call with the client, to application, to loan origination, to submitting the loan to the investor, to ordering appraisal, insurance, title, to following up with all underwriting conditions, to balancing the closing disclosure, to closing of the loan. That’s the benefit of working for a small brokerage and not a big retail lender. There is no red tape that can get in my way. I have complete control of my destiny.

Palm Lending, LLC
NMLS #: 164925

Doug Presley

NMLS #1967246

Mortgage Advisor

Certifications: n/a

Learn More about your mortgage professional:

I am a self-sourcing mortgage broker licensed in Texas and Florida. I work for a small mortgage company that has been in business for over 16 years. As a broker, I have relationships with over 15 investors, where I send my loans to. I am involved and understand the whole loan process from beginning to end. From the initial call with the client, to application, to loan origination, to submitting the loan to the investor, to ordering appraisal, insurance, title, to following up with all underwriting conditions, to balancing the closing disclosure, to closing of the loan. That’s the benefit of working for a small brokerage and not a big retail lender. There is no red tape that can get in my way. I have complete control of my destiny.

Palm Lending, LLC
NMLS #: 164925

credit expertise curated, just for you

Learn Your Way Home

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Score & Credit Basics

Learn all about credit scores, credit reports, scoring models and more.

Mortgage Essentials

Learn all about mortgage rates, types of loans, cost breakdown, and more.​

Buyer Alert

Learn all about trigger leads, things to be aware as a home buyer, mortgage relief, and more.

Credit IQ

Test your credit knowledge with our Credit IQ quizzes. Are you ready to be a homebuyer?

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What is your score sense?

Score & Credit Basics Quiz

1 / 8

If I have a high income, I will have a higher credit score

2 / 8

A soft inquiry will not affect my credit score

3 / 8

Closing an account can negatively affect my credit score

4 / 8

A delinquent payment does not affect my credit score

5 / 8

I can check my credit for free once a year

6 / 8

The mortgage industry uses Vantage Scoring instead of FICO

7 / 8

Credit scores fluctuate frequently

8 / 8

It takes a long time to improve a credit score.

Your score is

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Having late payments are acceptable as long as I pay

2 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

3 / 9

Bad credit stays with me forever

4 / 9

Rental history will appear on my credit report

5 / 9

My credit report includes my medical history

6 / 9

I should not buy furniture for my new home before closing

7 / 9

My credit report includes my social security number

8 / 9

Poor credit history can prevent me from getting hired

9 / 9

If I pay an account in full, it’s removed from my credit report

Your score is

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Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

Opting out of trigger leads guarantees I won’t be contacted.

2 / 10

There is no such thing as a legitimate credit repair company.

3 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

4 / 10

I do not need a credit repair company to help improve my score.

5 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

6 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

7 / 10

You can go to jail if you provide false information on your mortgage application.

8 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

9 / 10

Trigger leads are illegal.

10 / 10

There are rules that debt collectors must follow when trying to collect a debt.

Your score is

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Doug Presley

Mortgage Advisor

NMLS #1967246