Loan repayment ability is number one on any loan committee list.
Down payment is number 2
Where down payment came from number 3
What other collateral can we get from you as an abundance of caution
Credit score matters .but lots of wealthy people do not pay on time and have 650 credit.
FDIC.bank auditors are looking at a loan when they review the banks at audit time just like I described.
Homes that show pending and come back on are not always a issue with inspection. I suspect a lot are not qualifying
Like my friend mswego above said a cash offer close ASAP.has worked for me in the past.
If your able have a good line of credit for buying opportunities it really helps in getting a something locked up and closed
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