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Fasickc

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how to prepare for a mortage loan

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I would pull your free credit report from annualcreditreport.com and pay for the credit scores. Usually you can expect a mortgage credit report to reflect scores somewhat lower than you will see on your personal credit report, but it should give you a good idea where you stand. For a Conventional/Conforming loan you will want scores of 740+, for an FHA loan 680+ (FHA is doable down to a 580, but 640+ with most lenders).  Also, ask family/friends for recommendations on a good loan officer.  Speak with them and they should be able to guide you.

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