Borrower
There's work you must do even before you start applying for a mortgage; work on your credit score and put aside a good amount for your down payment. These steps will help you get better rates.
Your first step should be to get a mortgage calculator, which will help you estimate the monthly payments you'll make for the house, such as principal, taxes, and insurance.
When you go for a particular lender, you are missing out on several other deals available.
There's work you must do even before you start applying for a mortgage; work on your credit score and put aside a good amount for your down payment. These steps will help you get better rates.
Subprime Mortgages
If you have car payments, any credit cards or other kinds of debts, staying on top of them and paying on time signifies you are a trustworthy borrower.
So, if your credit report is hindering you from getting the best deals, there are steps you can take to better your score.