Lisa Shaull

Lenders assess creditworthiness, employment stability, and available funds before approving a home loan.
Key criteria include credit score, down payment, DTI ratio, income, and the home as collateral.
Credit scores run 300-850; higher scores typically mean lower interest rates and better loan terms.
Tips: dispute credit report errors, pay down high-interest debt, avoid new credit, and save more down payment.
Compare loan types and lenders; consider preapproval and choose a mortgage that fits long-term goals.
Lenders assess creditworthiness, stable employment, and sufficient funds before approving a home loan.
Key criteria include credit score, down payment, DTI ratio, income, and the home as collateral.
Credit scores range 300-850; higher scores typically mean lower interest rates and better terms.
Improve approval odds by boosting credit, reducing debt, and saving more for a down payment.
Compare loan types and lenders; consider preapproval and choose a mortgage that fits lon

Unlock Your Path to Mortgage Approval

Low-6% mortgage rates still leave many locked in; over half of homeowners have below-4% mortgages.
Home improvement market projected near $688B by 2029, led by kitchens, baths, roofing, HVAC, efficiency upgrades.
Traditional loans can take weeks; embedded lending offers transparent financing at point of sale for faster decisions.
Examples: Mr Bath saw ↑20% avg project size in 4 months; EZ Baths topped $7M sales within 1 year.
Spring 2026 selling season may show renovation stays preferred as inventory rises but prices stay high and rates sensitive.