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• To get the best possible mortgage rate, make sure
  your credit history is healthy and accurate. Aim to
  raise your credit score above 650 in order to qualify
  for most prime loans.
  
  
• If your credit score is not quite 650, focus your
  efforts on paying bills on time, reducing your debt
  balances, avoiding new inquiries and clearing negative
  inaccuracies from your credit report.
  
  
• Make sure the information on your report is correct
  and fix any problems you discover. Give yourself 30-90
  days for correcting inaccuracies. You can learn more
  about the dispute process online in the Credit Learning
  Center.
  
  
• Found an error while reviewing yourcredit with the
  lender? Ask about the "rapid rescoring" process where
  you can submit a dispute and potentially improve your
  credit in 72 hours.

• The rule of thumb is that most borrowers can afford a
  home that runs about two-and-one-half times their
  annual salary.
  
  
• Calculate your loan-to-value ratio to see how much you
  can afford to borrow by dividing the loan amount by the
  property's value. If your loan-to-value ratio is above 80
  percent your rates may increase significantly. Find a less
  expensive home or save up for a down payment to lower
  this percentage.
  
  
• Calculate your debt-to-income ratio by adding up your
  monthly debts and dividing by your monthly income. A
  debt-to-income ratio under 20-39 percent is usually
  considered good and will help you be perceived as
  financially stable.
  
  
• Don't be afraid to start small. Just because you may
  qualify for a large loan doesn't mean that it is a smart
  financial decision to buy as large a home as possible.
  Take a careful look at your family budget and your housing
  needs before you decide how much you can really afford.
  

Mortgage Loans

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If you're buying a home or refinancing your current home loan, credit.com may have a lending program that fits your needs. Good or bad credit is welcome.  Click here



Mortgage Loans for Bad Credit

Have bad credit? Credit.com can help you buy a home or refinance your current home loan! Simply take a few minutes answering some basic questions to help us find you the best possible mortgage programs.  Click here



Mortgage Refinance

Looking to refinance your home? Avalend can put you in contact with a licensed mortgage company in your area. They have hand selected all the lenders in their network. Once you apply, your application is manually reviewed, then submitted to the mortgage company that best fits your needs, with the lowest fee schedule.  Click here