General Questions » (Unit= dwelling or housing unit)

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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 John Collins Hawks Jersey , 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 score
2. Good income
3. Good cash down payment and reserves

Seven Loan Types and Finance Terms

Understanding the variety of loan types and terms enables you to choose an effective lender. Here are seven important loan types and related terms:

1. "A" Loans
Borrowers with great credit, a good cash reserve, good employment, and a debt-to-income ratio of less than 33%, qualify for "A" loans. These loans typically cost less upfront for points and costs, charge no prepayment penalty, and offer lower interest rates.

2. Sub-Prime Loans
Credit reporting agency websites portray Americans as having great credit. These informational articles and graphs mislead and cause struggling home buyers to feel inadequate. In fact Ersan Ilyasova Hawks Jersey , my Countrywide lending contact told me that 60% of all applicants are considered "sub-prime" borrowers. Sub-prime borrowers usually are those with credit scores under 620 or those with other conditions such as undocumented stated income, poor employment history, or credit issues such as collections, charge offs, and late payments.

3. Stated Income Loans
Most applicants for a mortgage have a full-time job with income tax returns verifying income for the past two years. Other borrowers, like me, with multiple streams of income must get loans with stated income. Some lenders require two years of bank statements showing deposits equaling the required total income Dominique Wilkins Hawks Jersey , proving the ability to make the mortgage payment.

4. Full-documented Loans
These loans require tax returns, employment verification, bank statements, and other individual lender demands. Other processing types, more flexible and easier for the borrower to gather information on, do not necessarily cost more. High credit scores, big down payments Dikembe Mutombo Hawks Jersey , and large cash reserves ease documentation requirements.

5. Conforming Loans & Jumbo Loans
According to Fannie Mae and Freddie Mac guidelines, "conforming loans" are mortgages for less than the following allowable amounts at the time of this writing:

(Unit= dwelling or housing unit)
1 unit $333,700
2 units $413,100