| Having poor credit alone cannot hold you back from | | | | creative in their financing techniques than others. |
| getting the home loan you want. Buying a home that | | | | Fill out your application or inquiry as accurately as |
| is everything you want in a home, is a very exciting | | | | possible - Inflating your income on your application or |
| experience. The blemishes on your credit history will | | | | inquiry form, to be higher than you know you can |
| not alone keep you from getting the home you want | | | | verify your income to be, will only delay the process |
| and the home you deserve. | | | | of getting pre-approved. The broker will work the |
| Here are some things to keep in mind when moving | | | | fastest for you if he/she is working with the exact |
| forward in the application process to get your home | | | | information he/she needs to be able to verify. That's |
| loan: | | | | the best way to get approved and through the |
| Contact or apply to many different lenders or | | | | pre-approval process smoothly. |
| brokers - Online you can fill out many mortgage | | | | Be persistent - This is the key when seeking a |
| applications where the lender or mortgage service | | | | mortgage loan pre-approval with poor credit, be |
| company does not pull your credit history. If they | | | | optimistic. Look for creative ways to get financing |
| don't ask for your social security number, they usually | | | | and contact as many brokers as possible. There is |
| cannot pull your credit. Brokers usually use the initial | | | | one or more out there that can help you. The key is |
| application or inquiry form and what you tell them | | | | to find them. |
| about your credit to make a decision about whether | | | | Start house hunting - Sometimes the key to getting |
| they should pursue the application and pull your credit | | | | into a house is finding the right one and a seller that |
| or not. Many lenders will tell you that you are not | | | | is flexible enough to help you do some creative |
| going to get approved anywhere and that if they | | | | financing work. For example: the seller carrying back a |
| can't help you, no one can. That is not true. All | | | | small percentage of the loan, the seller paying your |
| mortgage brokers have access to very different | | | | closing costs or you being able to purchase the house |
| mortgage programs and some brokers are more | | | | for significantly lower than market value. |