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    Non Qualified Mortgage

    Non Qualified Mortgage Rates, Guidelines, Lenders and Information

    How the Length of Your Credit History Affects Your Credit Score

    July 31, 2022 By JMcHood

    Your credit score is comprised of five different factors. It’s not just about how well you pay your bills (but of course, it’s important), but also your credit usage, length of credit history, credit mix, and inquiries. Compare Offers from Several Mortgage Lenders. The factor of most importance is your payment history. Next in line […]

    Qualifying for a Mortgage With Student Loans

    March 28, 2022 By JMcHood

    One of the largest factors lenders looks at when evaluating your mortgage application is the amount of debt you carry. This directly affects your mortgage approval. If you have too much ‘other debt,’ a lender won’t feel comfortable adding to the debt by giving you a large mortgage. However, if you properly manage your debt, […]

    Does Credit Score Go Down If You Check It?

    July 15, 2021 By JMcHood

    You need good credit in order to secure a loan. How do you know what your credit score is though? Without checking your reports, you could have bad credit and not know it. Luckily, checking your score doesn’t affect it. In fact, it’s recommended that you check your history several times a year and your […]

    Qualifying for a Mortgage With No Prior Credit History

    June 15, 2021 By JMcHood

    The first thing you likely hear about applying for a mortgage is that you need good credit. What if you don’t have a credit history, though? Are you out of luck? Looking for Current Mortgage Interest Rates? Click Here. Luckily, you are not out of luck. However, you will have to prove your worthiness for […]

    Types of Debts and Your Credit

    March 23, 2021 By JMcHood

    Debt isn’t always a bad thing. In fact, you need some debt if you want to accumulate a credit score. You need a payment history that shows lenders and the credit bureau that you can effectively handle your finances. Looking for Current Mortgage Interest Rates? Click Here. Unfortunately, not all debt is equal, though. For […]

    Do Different Credit Look-ups Affect Your Credit Score Differently?

    June 24, 2019 By JMcHood

    You probably think that a credit look-up is a credit look-up, right? You aren’t alone; most people think that. But there are actually two different ways that lenders can pull your credit – they can do a soft inquiry or a hard inquiry. Each type affects your credit score differently. Compare Offers from Several Mortgage […]

    How to Use Non-Traditional Credit to Get a Mortgage

    April 15, 2019 By JMcHood

    Family

    Do you have a thin credit file? It’s not that you have negative credit information, you just don’t have anything to report. This can turn lenders off from giving you a mortgage unless you have non-traditional credit sources that you can use. Looking for Current Mortgage Interest Rates? Click Here. We are all so programmed […]

    What Does Your Credit Score do to Your Interest Rate?

    March 18, 2019 By JMcHood

    Couple

    If you are like most borrowers, you want to know what interest rate you can get on a new mortgage. The interest rate determines how much ‘extra’ you have to pay towards your mortgage in order to borrow the money. While most borrowers want the lowest interest rate possible, they don’t know what truly affects […]

    Is it Smart to Pay off Debt Before you Buy a House?

    February 19, 2019 By JMcHood

    House

    If you have consumer debts, like credit cards or installment loans, you may think that it’s smart to pay the debt off before you buy a home. Is this the right thing to do? Looking for Current Mortgage Interest Rates? Click Here. It really depends on your situation. In some cases, a little debt will […]

    What is the Fair Credit Reporting Act?

    March 27, 2018 By JMcHood

    Mother and daughter

    The Fair Credit Reporting Act is the law that helps keep credit reporting agencies in line. It’s how you as a consumer know that the information reported about you is fair and as accurate as they can guarantee. This doesn’t eliminate the risk of human error, but it does eliminate the risk of malicious intent […]

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    More Non Qualified Mortgage Info

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    • Best Mortgages for Purchasing Rental Properties
    • What to Look For When Comparing Mortgage Lenders
    • Follow These Tips to Avoid Costly Home Renovation Mistakes
    • What Are The Biggest Challenges Facing First-time Home Buyers?

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    IMPORTANT MORTGAGE DISCLOSURES:

    When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

    Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

    When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

    Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

    Copyright © Mortgage.info is not a government agency or a lender. Not affiliated with HUD, FHA, VA, FNMA or GNMA. We work hard to match you with local lenders for the mortgage you inquire about. This is not an offer to lend and we are not affiliated with your current mortgage servicer.

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