Credit scores range between 300 and 850, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens & activity also impact your history. How much you owe. […]
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W-2 forms – or business tax return forms if you’re self-employed – for the last two or three years for every person signing the loan. Copies of at least one pay stub for each person signing the loan. Account numbers of all your credit cards and the amounts for any outstanding balances. Copies of two […]