The mortgage industry has changed in recent years. Whereas, in the past, you needed to conform to strict income to debt ratios, now your credit score is omni-important. That is why it is important to have your credit checked and scored BEFORE you proceed to purchase, build or refinance a home. The sponsor of this site will gladly check your credit and inform you of your credit score.

You can also receive a copy of my "10 Things You Need to Know Before You Buy or Build." You can download it from here or have it faxed to you by clicking on info@mortgagesandmore.com and putting "10 things" in the subject section.