How difficult is it to get a loan nowadays?

I've heard stories of people with 750+ credit score only having a 60% of being approved for a loan in the current economic climate. This can't be true, can it?

ceejay2005's picture

It depends on your credit

It depends on your credit score, your income, and your debt load. With a score of about 680 or higher, sufficient income to cover not only the new loan payment but all your other costs and debts, you should have no problem. Eight months of credit history might not be enough for some lenders. Payday Loans

Financing for real estate

Our team here in Minnesota has had a number of buyers recently that have had difficulty securing loans. They are solid borrowers as well. Just crazy!!

Hopefully with this bailout bill banks will once again begin lending to each and the credit markets will loosen up.

If they don't, supply of homes for sale on the MLS will stay high and prices will continue to decrease.

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