CREDIT - is the First of 3 Cornerstones Of Qualifying

Lenders look at all aspects of a borrower's credit file. Score is only part of the equation when it comes to mortgage lending.  

When it comes to qualifying, the line items such as student loans, auto lease payments, installment and revolving credit cards all factor differently for evaluating debt ratios.

While it is generally not a good idea to apply with several lenders, each one pulling your credit report, finding a lender who is willing to discuss any issues based on a self-pulled credit report would be a good option.

Since mortgage loans are mostly credit driven, this is an area where strategic advance planning and making minor adjustments in your credit profile can payoff big in benefits.

Improving your credit will not only increase your odds of qualifying for a loan, but will ultimately result in a lower rate and cost for the loan.