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  • Home
  • About Us
    • Mission and Pillars
    • Welcome to Affinity Home Lending
    • Staff
    • Testimonials
    • Privacy Policy
    • Legal
  • Mortgage 101
    • Mortgage Basics
    • Mortgage Approval Process
    • Understanding Credit
    • Mortgage Payments
    • Mortgage Rates
    • Home Buying Process
    • Closing Process
    • Mortgage Closing Costs
    • Refinance Process
    • Real Estate Appraisals
  • Loan Programs
    • Conventional Home Loans
    • Jumbo Mortgage Financing
    • FHA Mortgage Loans
    • VA Mortgage Loans
    • Reverse Mortgage Senior Loans
    • 203K Rehab Mortgage Loans
  • Loan Applications
    • Quick Quote
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    • Adopt My Mortgage
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Home Blog Credit

Tag Archive

Below you'll find a list of all posts that have been tagged as “Credit”

First-Time Home Buyer Credit Checklist

Getting a new mortgage for a First-Time Home Buyer can be a little overwhelming with all of the important details, guidelines and potential speed bumps. Since there are so many rules and steps to follow, here is a simple list …

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CreditFirst-Time Home BuyerMortgage Basics

Ten Things You Can Do To Protect Your Identity

Facts About Identity Theft: It’s estimated that there were 10 million victims of identity theft in 2008, and 1 in every 10 U.S. consumers have reported having their identity stolen. The U.S. Department of Justice reported in 2005 that 1.6 …

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CreditFirst-Time Home BuyerFraudUnderwriting Guidelines

Is There A Rule-of-Thumb Regarding The Number Of Credit Lines To Have Open?

While the actual credit score has a big impact on a loan approval, it’s not the only component of the credit scenario that underwriters consider for a mortgage approval. Since loan programs, individual lenders and mortgage insurance companies all have …

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CreditFirst-Time Home BuyerFrequently Asked QuestionsUnderwriting Guidelines

Alternate Sources For Establishing Credit

While the basic Rule-of-Thumb for acceptable credit history is a minimum of four trade lines documented on a credit report, there are alternative methods of building a credit picture that an underwriter can use to make a decision for a …

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CreditFirst-Time Home BuyerMortgage BasicsUnderwriting Guidelines

Top 8 Things To Ask Your Lender During The Application Process

Knowing what questions to ask your lender during or before the loan application process is essential for making your mortgage approval process as smooth as possible. Many borrowers fail to ask the right questions during the mortgage pre-qualification process and …

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Closing CostsCreditFirst-Time Home BuyerFrequently Asked QuestionsGFEMortgage Basics

Ten Credit Do’s and Don’ts To Bear In Mind Prior To Getting Your Mortgage Loan

How can a fully approved loan get denied for funding after the borrower has signed loan docs? Simple, the underwriter pulls an updated credit report to verify that there hasn’t been any new activity since original approval was issued, and …

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CreditFirst-Time Home BuyerMortgage BasicsUnderwriting Guidelines

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