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THE ANALYSIS OF YOU

The goal is to make sure there are no surprises in any of these areas.

Credit:​

  • Analysis on how to raise your score, if needed

  • Any disputes that we need to remove from your report

  • Amount and age of collections

  • Bankruptcy? When was it discharged?

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Income:

  • Determining your Qualifying Income:

    • Salary

    • Non-variable hours v Variable hours​

    • Commission/OT/Bonus - need a two-year history

    • Self-Employed:​​

      • Need a two-year history

      • Is your income declining?

    • Alimony/Child support -- need a three-year continuance

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Employment:

  • Two-year history 

  • No job gaps greater than 6 months

  • You have two jobs? Need a consecutive two-year history to use the income from both jobs

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Bank Statements:

  • No large deposits that can't be sourced

  • No cash deposits

  • Recurring payments match the payments on your credit report

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