Compare what different lenders have to offer. There are many different loan programs out there. Almost one for every individual. Even people with less than perfect credit scores can obtain a mortgage loan. Your loan will be based on your credit score.
For the people with less than perfect credit, lenders like to see that you have been paying your bills on time for at least the last six months. They also would like to see close to three lines of open credit, such as credit cards and major department store cards. One other thing to keep in mind is that now is not the time to make any large purchases, like a vehicle. This would create a new loan on your credit with no payment history. If you have recently purchased a vehicle, you will want to ake timely payments for the next six months to help your credit score.
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