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November 14, 2008, Newsletter Issue #139: Mortgage Credit Report
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Tip of the Week
Buying a house can be a very stressful time for anyone. There is a lot that needs to be done, including checking your mortgage credit report. Armed with this information and knowing your gross monthly income, a lender reviews your total debt, as well as total monthly payments to help determine your debt-to-income ratio. This tells them how much money you can afford to pay each month towards your mortgage. Other information they look at when doing credit checks include your payment history. Before giving you a loan, your potential creditor wants to make sure you will make your regular payments on time each month.
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