Unfortunately, the three credit bureaus Transunion, Equifax and Experian may sell mortgage-related credit pulls, called “Trigger Leads”. You may possibly be contacted by non-qualified mortgage officers from OTHER companies who don't have the ability to attain business correctly. To avoid this possible headache, I recommend putting yourself on both the OPT OUT and DO NOT CALL registries. (Takes less than two minutes)
- Scroll to bottom, click on the blue "OPT OUT" bar
- Scroll to the bottom again and click on either the 2nd or 3rd button
- Fill out very basic info and click CONFIRM
- Click on the red bar "Register your phone"
- Click on “register here”
- Enter your phone # and email address
- Click Submit
** These few minutes could save you from being possibly contacted from unnecessary calls from unreputable/unskilled mortgage telemarketers.
We highly recommend that you take these steps to avoid unnecessary phone calls from unwanted parties.
Do I Qualify?
To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.
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