Your credit history is a critical factor when obtaining a mortgage loan. It communicates your past willingness and ability to meet credit obligations and gives the lender a good idea about how responsible you will be in making your monthly mortgage payment. Do not despair if your credit report is less than stellar. If you've made some mistakes in the past but your current credit patterns are good, many lenders will take that into account and may be willing to make you a loan. Get a copy [...]