Poor credit presents serious financial challenges, and renting an apartment can\may be one of them [but not always]. Some landlords don't check credit (in which case your credit rating has no effect). If the landlord is an individual (renting a converted basement or room, for example), you may be fine; at the other extreme, poor credit may cause landlords renting high-end luxury apartments to turn down your application. Most apartment complexes rent to people with poor/bad credit, provided there are some other factors in your favor that make you an acceptable risk [good employment history, more than one person on the lease, etc...].
I paraphrased from this article.
Citation: http://www.ehow.com/how-does_5195445_bad-credit-affect-renting-apartment_.html... more
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Without knowing your specific issues, it's impossible to diagnose the reasons for the delay. You should contact your loan officer (if they even give you one) to find out how far you are from closing. Moving to another lender might cause more delays, especially if you are only a few more days from closing.
The only comment I can say for sure is that most Realtors would prefer you to work with a local lender rather than a bank. Banks are just too slow these days. Great for checking accounts, but poor on mortgage service.
Licensed Mortgage Loan Officer... more
Depending on your filing status. For example if you file as a Real Estate Professional you can. You do not need to be a realtor or mortgage broker or have any license to qualify for a Real Estate Professional. I assume that you are speaking of your primary home, but if it is an investment property then you will want to speak with your tax professional. Good luck!... more