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Mortgage Lenders are Tightening their Belts

Do you have a credit score lower than 680? If your answer is yes and you are in the market for a mortgage, expect to make at least a 20% downpayment before you can qualify for the best interest rates.

The recent subprime mortgage crisis has resulted in a stricter number of guidelines from major lenders such as Freddie Mac and Fannie Mae. Under the new guidelines, before you receive a mortgage rate - lenders will review credit score and down payment information. 100% loans are still available but you will need a credit score of at least 720, preferably 730. If your income is also difficult to verify, you will need a credit score of at least 730.

If you are in the market for a mortgage, ensure that your credit score is the best it can be. With a bad credit score you are definitely in for an unpleasant surprise.