Erna Hay
NMLS 208571
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    Rate Criteria

    26 Factors that Affect your Mortgage Rate*

    • Loan size
    • LTV
    • CLTV
    • Credit score
    • Credit history
    • Escrows
    • Closing date
    • Loan Type
    • Property Type
    • Residency
    • Available Assets
    • Asset Seasoning
    • Co-borrowers
    • Debt Ratio
    • Housing Ratio
    • Purchase Plus
    • Employment Type
    • Employment History
    • Documentation
    • Transactional DI
    • Re-caste Option
    • Relocation
    • Seller Contributions
    • Gifts
    • Cash-out
    *Other criteria may apply

     



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