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Nervous lenders have tough new rules and are paperwork crazy."Borrowers are going to have to prove they are the borrower they say they are," says Keith Gumbinger, vice president of HSH Associates, a mortgage-industry publisher in Pompton Plains, N.J.Homebuyers should consider these things before they apply for a loan.1. Down payments are critical. Borrowers should expect to put down at least 10 percent for a "conforming loan" - a mortgage that Fannie Mae and Freddie Mac will purchase.2. Credit scores count. A 720 on the 850-point FICO rating scale will get a borrower access to the best rates. A score between … (0 comments)
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Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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