Overview
Understand how credit history affects an application and what information a lender may need next.
Begin with a current credit report and check the accuracy of the information recorded. A lender considers credit alongside income, debts, down payment and the property. There is no single score or waiting period that guarantees mortgage eligibility.
Ask how a proposed application or new credit product may affect your circumstances before proceeding. A future rate or refinance depends on the lender review at that time. If a proposal or bankruptcy is involved, include the appropriate licensed insolvency or legal professional in planning.
Key Features
How It Works
Free Consultation
We discuss your goals, review your financial situation, and determine the best mortgage strategy for you.
Compare Suitable Options
I compare rates, terms, lender requirements and costs, and help you work through the requested documents and conditions.