Whether you're looking for a new home, a refinance, or a second mortgage, you can benefit from a low-interest rate on your mortgage loan. Interest rates are determined by market conditions and risk to the lender. While you cannot control market conditions, you can influence the view a lender has of you. A higher credit score or fewer red...

If you are looking for a mortgage loan, there are a few steps you can take to make the process easier. Your credit score and debt-to-income ratio will be factors in determining what interest rate you'll be charged. You can't control these factors, but you can change the way a lender views you. A higher credit score and fewer...

Before approving a mortgage loan, lenders review the information provided by applicants. They have different standards of qualification and must select clients based on this. Typically, the application will require a thorough financial profile including the applicant's credit score, income, assets, and debt. If there are any discrepancies, the...