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26 Factors that Affect your Mortgage Rate

  • Loan Size
  • LTV
  • CLTV
  • Credit Score
  • Credit History
  • Escrows
  • Closing Date
  • Loan Type
  • Property Type
  • Occupancy 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


Melanie Hadley | NMLS 208645 | mhadley@houseloan.com
Office: 512.328.2225 | Direct: 512.314.7312 | Fax: 512.857.0042
Branch NMLS 259823 | The Terrace Desta One | 2600 Via Fortuna, Suite 330 | Austin, TX 78746


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