| Your
Credit |
 |
FICO
scores |
|
Best
credit factors |
|
Mortgage
payment history |
|
Inquiries |
|
Existing
lines of credit |
|
Cosigner
on other credit |
|
Derogatory
credit |
|
Cosigner
on derogatory credit |
|
Credit
not on report |
| |
|
|
 |
|
| Employment
and Income |
|
Type
of employment |
|
Compensation
factors |
|
Length
of current employment |
|
Documenting
your income |
|
Switching
employment |
|
Length
of previous employment |
|
Other
income |
|
Documenting
other income |
|
Alimony
payments |
| |
|
|
|
|
|
| For
this Home Loan |
|
Type
of Loan |
|
Loan
amount |
|
Downpayment
amount |
|
Downpayment
source(s) |
|
Cash
reserves |
|
Housing
expense or frontside ratio |
|
Debt
expense or backside ratio |
|
First
time buyer |
|
Ownership
in other real estate |
|
Cash
back |
|
Relocating |
|
Property
condition |
|
Property
improvements within next year |
|
Seller
paying closing costs |
|
Seller
financing |
|
Payment
Shock |
| |
|
|
|
|
