Besides Credit Score

Your credit score, the type of property (single family,duplex, 4 plex, etc.), the amount of down payment or equity (loan to value) and the occupancy factor (primary residence, investment, second home); these determine your rate. All of the above with the addition of your income, assets, and liabilities factor into how much you can afford. Your best bet is to find a loan officer in your area and get pre-qualified. You can use the "find a Lender" tab above to assist you.

This is a very good question. The factors that determine your rate are: credit score, Loan-to-value (equity position, occupancy, and residency status. We are direct lenders licensed in all 50 states and would love to provide you with a FREE quote.

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