25 Factors That Affect Loan Rates

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The 25 Factors That Can Affect Your Loan Rate

Loan Size
Loan-to-Value (LTV)
Cumulative Loan-to-Value(CLTV)
Credit Score
Credit History
Escrows
Closing Date
Loan Type
Property Type
Occupancy Type
Residency
Available Assets
Asset Seasoning
Co-Borrowers
Debit Ratio
Housing Ratio
Purchase Price
Employment Type
Employment History
Documentation
Transactional Debt-to-Income Ratio
Relocation of Seller
Contributions
Gifts
Cash-out

NW Mortgage Group, Inc. - 10260 SW Greenburg Rd. Suite 900 - Portland, OR 97223
Office Phone: (503) 977-9764 Fax: (503) 977-9766 Toll Free Phone: (800) 452-0038

ScottsTeam@nwmortgagegroup.com

NMLS - Individual #130117 Branch #40562 Oregon #ML-797

We lend in the following states: Oregon

Not all applicants will qualify. All opinions expressed by Scott Oliver, on his web site, are Scott's opinions and do not reflect the opinions of Northwest Mortgage Group, Inc. You should not treat any opinion expressed by Scott as a specific inducement to take a particular mortgage or follow a particular strategy, but only as an expression of his opinion. You must make an independent decision regarding mortgages or strategies mentioned on his website. Before acting on information on this web site, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial counselor.

The NMLS Consumer website is a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is licensed in their state.