Consideration: Dependents add more stability to your situation, but too many will increase your expenses, and directly affect your ability to qualify for a higher loan amount.

Consideration: Lenders view “owning” a home as having more stability than “renting”, and therefore they may view you as a better credit risk.

Consideration: Most Lenders prefer Borrowers residing at their present address for two years or more as a good factor for stability. This also helps to verify your identity.

Consideration: Multiple addresses in a short period of time can be a red flag for Lenders when it comes to the stability of a borrower.

Consideration: Lenders look at your gross income when determining how much of a monthly payment you can afford, after your expenses.

Consideration: This amount could qualify you for a higher loan amount. It may include your spouse’s income, alimony payments, social security and pension income, disability payments, and investment, rental, and part-time income.

Consideration: Most Lenders prefer that you have stable employment in the same field for at least two years. No matter how reliably you’ve paying off debt, you’ll appear to be a higher risk if you have short periods of employment, or gaps in your work history.

Consideration: Most Lenders prefer that you have stable employment in the same field for at least two years. No matter how reliably you’ve paying off debt, you’ll appear to be a higher risk if you have short periods of employment, or gaps in your work history.

Consideration: Lenders want to make sure that you have enough money left over after your monthly expenses, so you will have the ability to repay a new loan. The more money you have left over, the lower their risk.

Consideration: If you already have an account relationship with us, it could mean that we’ll be able to offer you incentives on other products.