![]() ![]() Only a lender can tell you for sure whether you’re mortgage eligible. They often come in higher than your actual FICO score. You can also track your credit score using free apps, but remember that the scores in free apps tend to be estimates. You can ask for a mortgage pre-approval or a prequalification to see your loan options and “real” budget based on your personal finances. If you’re self-employed, a lender will likely ask to see tax records They’ll check W-2s, bank statements, and employment records. Personal finances: Lenders must verify your income to make sure you can afford the loan payments. ![]() ![]() Lenders won’t approve loan amounts that exceed the home’s value, regardless of the home’s listing price or agreed-upon purchase price
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