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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

The mortgage industry uses Vantage Scoring instead of FICO

2 / 8

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

3 / 8

Credit scores fluctuate frequently

4 / 8

Closing an account can negatively affect my credit score

5 / 8

I can check my credit for free once a year

6 / 8

A soft inquiry will not affect my credit score

7 / 8

It takes a long time to improve a credit score.

8 / 8

A delinquent payment does not affect my credit score

Your score is

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

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

2 / 9

My credit report includes my social security number

3 / 9

Bad credit stays with me forever

4 / 9

Rental history will appear on my credit report

5 / 9

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

6 / 9

My credit report includes my medical history

7 / 9

I should not buy furniture for my new home before closing

8 / 9

Poor credit history can prevent me from getting hired

9 / 9

Having late payments are acceptable as long as I pay

Your score is

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

Buyer Alert Quiz

1 / 10

Trigger leads are illegal.

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

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

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

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

10 / 10

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

Your score is

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Doug Presley

Mortgage Advisor

NMLS #1967246