Your Financial Situation

Lenders like to know you can repay the loan without going broke and that you're a good credit risk.

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The Home You're Buying or Refinancing

Is the home worth the money you're paying for it? Lenders have to know this in case they end up with the property.

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The Type of Loan

Each type of loan has its own rules for qualification. Where one loan might not work for you, another might.

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The Lender

Not all lenders are alike. Some have more flexible guidelines than others and different lending philosophies

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Factors Affecting Lending Decisions

These are the 4 major elements that affect how a lender decides whether or not to loan you money. Click one to find out more.

  • Thinking about a home loan, but concerned you may not be approved by a lender?
  • Wondering whether you can do anything about it?
  • Knowledge is power.
  • The more you know about lending decisions, the more confidence you gain.