THE ANALYSIS OF YOU
The goal is to make sure there are no surprises in any of these areas.
Credit:
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Analysis on how to raise your score, if needed
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Any disputes that we need to remove from your report
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Amount and age of collections
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Bankruptcy? When was it discharged?
Income:
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Determining your Qualifying Income:
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Salary
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Non-variable hours v Variable hours
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Commission/OT/Bonus - need a two-year history
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Self-Employed:
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Need a two-year history
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Is your income declining?
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Alimony/Child support -- need a three-year continuance
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Employment:
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Two-year history
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No job gaps greater than 6 months
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You have two jobs? Need a consecutive two-year history to use the income from both jobs
Bank Statements:
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No large deposits that can't be sourced
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No cash deposits
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Recurring payments match the payments on your credit report