Getting Pre-Approved For Your Home Loan

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How Do I Get Pre-Approved For A Home Loan

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Mortgage

Min Down

FICO

DTI Ratio

PMI/MIP/Fee

Addl Req.

Conventional 97

3%

620

41%

0.15-1.95%

Conventional

5%-20%

620

43%

0.15-1.95%

Jumbo

5%-20%

720-740

43%

None

Non conforming

FHA 96.5%

3.5%

580

31/43%

1.75%-0.85%

FHA 90%

10%

500

31/43%

1.75%-0.85%

People who have lower scores must make a larger down payment. Lenders will often work with borrowers with a low or moderately low credit score and suggest ways they can improve their score.

What Is The Difference Between Pre-Qualifying
and Pre-Approval

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