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It's your job to be (a) pleasant and (b) competent
It is your job, of course, to be (a) always pleasant (even with moody customers like me!!) and (b) competent. Well, let us send these Season's Greetings with this thought: you indeed are pleasant -- yet have a good sense of humor and perspective -- and are indeed very competent. We were very impressed by the whole walk-through/closing scene. Felt in good hands!" "So, thank you. You made what is for us a difficult scene tolerable."
Bob and Mary Tripp
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Financing Your Home >They Said Yes
Applying for a mortgage loan brings out the paranoia in everyone, even those who are most compulsive and consistent about paying their bills on time. Remember that the lender wants your business and will do everything possible to help finalize your home purchase.
There will be nothing to worry about if you have paid your bills more or less on time. If you have a record of late payments but no serious credit problems, you may have to provide the lender with a written explanation of why certain payments were late. The loan approval may depend on whether or not the excuses are reasonable. Your lender can probably help you work things out if your problems are not serious. If your credit problems are serious, it will help to sit down with a lender even before you begin house hunting.
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- NUMBER1EXPERTS™ 
