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1. Start By Checking Your Credit Report


Don't pay extra interest for mistakes made by your creditors. Check your credit report for any errors or inaccurate information. The credit reporting agency is responsible for fixing any mistakes, so notify them in writing as soon as possible. Also let the information provider know too.


If you had a bankruptcy or foreclosure in the past, include a letter with your report to explain the situation. Financing companies will look more favorably on a bankruptcy caused by job loss or illness.


2. A Down Payment Helps


You can also improve your application with a down payment. 10% is the most common, but 20% or more can qualify you for better rates. Down payments reduce the risk for lenders, so they rate your loan application differently.


You can also improve your credit score by paying off debts and closing unused accounts. Increasing cash reserves by cashing out stocks or other investments can also help.


3. ARMs Are Easier To Qualify For


While sub prime lenders offer a variety of financing packages Wholesale Will Harris Jersey , adjustable rate mortgages (ARM) are the easiest to qualify for. Since their monthly payments are the lowest, at least in the beginning, you can qualify for more. Interest rate only loans also can get you in a house, but your payments can double or triple in a few years.


Smart shopping is the best way to find the lowest costing loan. Compare the adjustable percentage rate (APR) of mortgages so you don't get caught on hidden fees. Also, take a look at conventional lenders. Many are offering competitive loans to people with adverse credit. Remember too that you can improve your credit to good standing in two years and refinance for better rates.


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