any help asked:


or will they look at previous deposits/withdrawals from your bank account? such as internet gambling, spending a lot on recreation, etc.

Emma

carissa1_99 asked:


Me and my husband both have credit scores of around mid 500s. We know that we need around a 620 to get a home loan. Any one know of any lenders that bend that? We have found the home we want to purchase and dont want to wait for it to be sold. Thank you!

Cristian

Paul S asked:


I am wondering if DECREASING my credit limit on a couple of credit cards would be helpful if and when we try to get a home loan, or is it simply the number of credit cards that matter? It seems that I have heard somewhere about the debt to income ration and that somehow ithe maximums that you can borrow can work against you even if you do not come anywhere near using those amounts. Thanks for any help on this!

Sebastian

lvtiffy asked:


Looking for a home loan…When do lenders check your credit during the loan process? thx!

Robert