Since the lenders are risking their money they sometimes like to collect certain information about the borrowers. This information helps them to know about borrower's financial history and to determine whether the borrower is capable of repaying the loan or not. Getting refusal from one lender doesn't means end of the road. Our network of lenders helps you to get mortgage even with Poor Credit Ratings.

Here's what they look at in order to make that decision:

• Your past financial history
• Your Credit Report, Credit Score and employment history
• Your Income
• Your monthly expenses on credit cards, auto payments, student loans and other debts
• Your Savings
• Your estimated net worth

Your Property Information
Lenders will have questions regarding your property including the following:

• Are all claims against the property known? (This is the reason for a title search.)
• Are the public records complete and accurate? (This is the reason for title insurance.)
• Does the property need a termite inspection or property survey?
• What is the accurate value of the property? (This is the reason for an appraisal.)