Your credit worthiness has always been important to the home buying process. It not only allows you to shop for the mortgage product that best fits you situation but can also affect the total cost of your mortgage.
In light of recent problems with the sub-prime mortgage market, lenders are beginning to reevaluate how they manage risk. Some are considering adding fees in order to improve their ability to be weather losses.
Don't let your credit worthiness affect the cost you have to pay for a mortgage.
If in doubt about your situation, contact a mortgage consultant who can give you advice and direction on how to position yourself for the most cost effective mortgage possible.
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