Get Your Free Credit Report—The Right Way

Know where you stand before you apply. No cost. No pressure. No hard inquiry.

Open with Awareness-Raising Questions:

Build Trust + Educate Gently

Most people are surprised to learn that free apps like Credit Karma don’t show the same scores lenders use for home loans. And in the mortgage world, 20 points can be the difference between approval and denial—or a higher rate.

At Stairway Mortgage, we make sure you’re prepared.

We’ll help you get a real mortgage-approved credit report—without a hard pull—so you can make confident decisions before you apply.

This gives you:

  • Clarity on your true mortgage credit score
  • Awareness of any issues, errors, or red flags
  • A chance to improve or correct your profile ahead of time

It’s smarter. It’s safer. It’s free.

Get Pre-Approved Now
Download the Preapproval Checklist
Talk to a Stairway Advisor

100% Client Satisfaction

Real Comments, Real People

Hear From Some Past Clients of Our Founder

Johnny Blan

First-time home purchase and refinance with fast closing

Great customer service! We were living in California for 20+ years, and every year our rent went up, so we decided to move to Virginia and get our own house. Jim helped us with our very first home mortgage and constantly updated us with the lowering rates. After we were presented with different options, we decided to do a refi, and his team made it possible for us to grab the opportunity to shorten our term from 30 to 15 years at a much lower rate. In just around three weeks we were able to close. Me and my family will definitely recommend them!

Johnny Blan - via Facebook

Retired Investor -
CALIFORNIA
Dayana Ruiz

Guidance through the purchase process with clear explanations

They worked with me on the purchase process. Their knowledge helped me to choose the option that was most convenient. From the beginning they explained the process. Thanks Jim!

Dayana Ruiz - via Facebook

Mortgage Loan Originator Columbus Capital Lending -
FLORIDA
Dennis Nikolaev

Investor-friendly lender who goes the extra mile

I'm an RE investor. Had multiple loan officers but one really stands out – JIM BLACKBURN. Now, he is working on a third deal with me. He does go the extra mile. A few examples from the past: I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal. He is super efficient with collecting the right documents upfront to avoid a lot of back and forth later with processors. You can't go wrong with Jim.

Dennis Nikolaev - Facebook

Studio Leader at APCE Dennis Studio -
CHINA