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Credit History

How to Calculate Debt-to-Income Ratio (DTI) Yourself

October 21, 2021 applying for a mortgage, auto loans, calculate your debt, calculating your DTI, credit card debt, credit card payments, Credit History, credit report, credit score, front end ratio, gross monthly income, monthly debt payments, monthly mortgage, monthly payment, mortgage lenders, percentage of your gross, personal loans, qualified for a mortgage, student loans

When you first thought about purchasing a home, you probably jumped online to do some basic research. You may have wondered about what information you need to share with a lender or mortgage broker to buy a home. Here’s one piece of the puzzle: Lenders want to verify that you have a good debt-to-income (DTI) […]

What Credit Score is Required to Buy a House?

October 12, 2021 apply for a mortgage, buy a home, buy a house, conventional loan, Credit History, credit reports, credit scores, debt to income ratio, fha loan, good credit score, higher credit score, improve your credit score, insured by the federal housing administration, loan types, mortgage loan, mortgage rates, qualifying for a mortgage, usda loan, va loan

When you’re getting ready to buy a house, your lender will want to see your credit score, a three-digit number that represents how well you pay back debt.  Before you apply for a mortgage, keep in mind that your credit score represents one of the most important aspects of qualifying for a mortgage, but it’s […]

A History of Credit Scores and Credit Reporting

March 19, 2018 credit, Credit History, credit score

Credit scores are a fact of life for Americans in the 21st-century, but credit scores haven’t always existed. Without credit scores, lenders might still be relying on handshakes and other subjective measures to determine credit-worthiness. Doing so would leave millions of Americans without access to the sort of capital necessary to buy a home or […]

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Morty is a licensed mortgage broker. NMLS ID # 1429243. NMLS Consumer Access. All loans originated by Morty are funded by third party lenders. Morty, Inc. is authorized to do business as “Morty” in certain states. Morty is an equal housing lender.

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