26 Criteria for Quoting Rates 

 

 1.  Loan Size

 2.  Loan To Value

 3.  Combined Loan To Value

 4.  Credit Score

 5.  Credit History

 6.  Escrow Preference

 7.  Closing Date

 8.  Loan Type

 9.  Property Type

10. Occupancy Type

11. Residency

12. Available Assets

13. Asset Seasoning ( how long money in bank accounts)

14. Co-Borrowers

15. Debt to Income Ratio

16. Housing to Income Ratio

17. Improvements Needed

18. Employment Type

19. Employment History

20. Documentation Type

21. Transactional DI (non housing debts to income ratio)

22. Re-castable

23. Relocation

24. Seller Contributions

25. Gifts

26. Cash-Out