As an agent I direct my clients to a leander who will inform them of their credit and answer any questions they may have regarding the different types of financing. In all the years I have been in realestate I have never known someone to not get a credit rating with just a social security number. And there is no fee attached to that report.
Most lenders will run your credit score and tell you what you qualify for. However, before they can answer that question the lender will need the last 2 years of tax returns with W-2s and the last 2 paycheck stubs (30 days worth) before that question may be answered. The score only opens the door, but to get through the door you have to have income to repay the loan.
Jack Gillis, M.B.A., J.D. â”‚ RealtorÂ®
Jack Gillis Realty Advisors
United Real Estate, Broker
5430 LBJ Freeway | Suite 280
Dallas, TX 75240
Mortgage Broker or Lender, Laguna Niguel, CA
What are mortgage loan officers saying when you ask them to check your credit? You should be able to have your credit checked as long as you have a social security number and provide the rest of the information that is needed (your name, date of birth, & address history for the past 2 years).
Your income is at least ( or more ) important than just your credit. Think of your credit score as a general criteria for a lender to figure out IF they will lend you money... and your Income ( minus your debt ) as a ratio to find out HOW MUCH they will lend!
Agent, Kensington & Parkville, Brooklyn, NY
Qualifying for mortgage is not only depend on your credit score you need to have enough income to repay the mortgage loan.You have to work at least 2 years(generally ) your assets, liabilities all matters.If you like to be qualified you need to provide all necessary information.Thank you