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What Real Estate Lenders Look For

Lenders control many programs -- some make use of over 200! Generally, lenders look for the following typical standards, with many exceptions:

1. Absolutely no late mortgage payments
2. Credit score above 580
3. If bankruptcy, no charge-offs or collection accounts afterwards
4. If bankruptcy, only 1 late payment afterwards
5. Two active revolving accounts in good standing
6. Good employment history or stated income
7. Three to six months reserves (covering mortgage payment, taxes & insurance) in savings
8. 55% income to debt ratio
9. Appropriate loan-to-value ratio on purchase property

Borrowers obtain a loan by bringing something of value to the table. One of the following assets ought to get you financing:

1. Good credit s

How Much is that House in the Window?

With the recent release from the UK's biggest mortgage lender, the Halifax, of its latest house price report for May 2005, showing that prices fell by 0.6% last month, and prices falling just 0.1% since the start of the year, the bank said that the m.... read more »
Jerusalem Real Estate Guide - A Pick Into The Most Desirable Districts Of Jerusalem

This article was written out of love to the holiest city on earth, Jerusalem. Jerusalem combines modern life with tales and wonders spreading thousands of years back in time. It's historical value is priceless and to this day it is the most sacred pl.... read more »
Austin Apartment Guide

Austin is a developing city in the state of Texas and is a popular destination both in terms of business and education, for many people, especially youngsters. This has caused the demand for apartments to rise rapidly over the last few years, making .... read more »
Buying A Home In Camden Maine

The process of buying a home is not something to be taken lightly. A home is a large investment, and its your responsibility to select a home that fits your needs and find a manageable mortgage for itno mean feat. Well help break the process down int.... read more »
Water, Water Everywhere on the Waterfront

Waterfront living is among the most desirable of locations in our area (Florida). The views and vistas are fantastic, not to mention the ability to walk out one's door to drop a line to fish or untie a line to enjoy boating. However, all this joy is .... read more »
Want A $10,000 House?

How do you find a house for ten or twenty thousand dollars? In three steps:1. Find towns that are affordable.2. Find houses you like.3. Make an offer.1. Affordable TownsAltoona, Pennsyvania still had dozens of homes for sale for less than $30,00 when.... read more »
Blue Chip Real Estate

All real estate market participants, whether homeowners or investors, look at their purchases as an investment. Whether they feel it is the home of their dreams or a place that will generate a good rental income, property owners want to be able to se.... read more »
The Benefits Of Condo Living

Condos offer you an alternative lifestyle for many individuals especially those who prefer to be independent and have their own place to call home that is affordable and at the same time more convenient that buying a conventional home. This type of l.... read more »
The UK House Market and How to Survive it

According to the Nationwide Building Society, the UK housing market has made a "strong start" in 2006, with the biggest rise in house prices for 18 months, rising by 1.4% in January. This was seen by the Nationwide as part of a strengthening trend si.... read more »
Financing Houses

What Real Estate Lenders Look ForLenders control many programs -- some make use of over 200! Generally, lenders look for the following typical standards, with many exceptions:1. Absolutely no late mortgage payments2. Credit score above 5803. If bankr.... read more »

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Author Bio:Jeanette Joy Fisher

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