Resources / Client education
PDF
Mortgage Readiness Checklist
A plain checklist of documents, report checks and habits to review before you apply for a mortgage.
What is inside
- The documents lenders commonly ask for, and how to gather them
- How to review your reports and understand debt-to-income
- Habits to avoid in the months before you apply
Who it is for: Clients planning to buy a home, and owners who prepare them without promising a loan approval.
Questions
Does a mortgage require perfect credit?
No single standard fits every loan. Programs differ in what they accept. Ask a licensed loan officer which programs may fit your file.
Should I clean up my report before I apply?
Review it first, then talk with your loan officer. Some items may need documentation rather than changes, and timing matters for a mortgage.
Can a credit repair company promise a loan approval?
No. No one can promise approval. Work with a licensed loan officer for lending decisions.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.