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Critical Factors in Lender Evaluation

Credit History

Your credit history, comprising details of your past credit accounts, payment history, and credit utilization helps you secure a mortgage.

Financial History

Your financial history provides lenders with valuable insight into your past financial behavior and helps them assess your eligibility for a mortgage.

Debt-to-Income Ratio

The Debt-to-Income Ratio measures the proportion of your monthly income that goes towards paying off debts, a key factor in determining your borrowing capacity for a mortgage.

Down Payment

A substantial down payment can significantly impact your mortgage terms, potentially lowering monthly payments and overall interest costs.


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