Credit Resources
FICO Scores and Mortgage Underwriting Decisions E-mail
FICO scores are only "guidelines" and factors other than FICO scores affect underwriting decisions. Some examples of compensating factors that will make an underwriter more lenient toward lower FICO scores can be a larger down payment, low debt-to-income ratios, an excellent history of saving money, and others. There also may be a reasonable explanation for items on the credit history which negatively impact your credit score.
FICO Scores, What Affects Them, How Lenders Look At Them E-mail
FICO stands for Fair Isaac & Company, and credit scores are reported by each of the three major credit bureaus: TRW (Experian), Equifax, and Trans-Union. The score does not come up exactly the same on each bureau because each bureau places a slightly different emphasis on different items. Scores range from 365 to 840.
Bankruptcy Mortgage Options E-mail
If you have a recent bankruptcy on your credit and are looking to get financing for a home, there is hope. Buying a home with bad credit will just put more emphasis on the other two factors needed to get a mortgage loan, which are; income verification and a down payment.  
Credit Score FAQ E-mail
One of the most important factors in securing your home mortgage or refinancing your current mortgage is your credit score. Read our Credit Score FAQ and find out "What Effects Your Credit Score" and much much more.

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