Oftentimes, during the mortgage process, the one aspect that can bring the most angst is the credit pull. There are MANY reasons why a credit pull may present problems, some of which are:

  1. Your credit score is too low
    1. Your debt-to-income ratio is too high
    1. The loan-to-value is too high
    1. Your employment status may have recently changed
    1. You have unusual bank account activity

Any of the above items, or a combination of items, may put a delay or even a halt on your mortgage loan application. But please remember, that we are here to help. We are experts at working with people who to get their credit where it needs to be to qualify for a mortgage. Whether that takes a few weeks, a few months, or even a year or more, we will work with you one-on-one until your dreams of homeownership become reality.