Lenders will use a combination of credit scores, income, job and residential stability in determining loan eligibility. No one thing can guarantee a customer an approval. Instead lenders will use a combination of this information in making their loan decision. For example a lender may turn down a customer with a high credit score but minimal job time and minimal trade lines yet approve a customer with a low credit score but good job history and established lines of credit, even if derogatory credit exists on their credit file. The pre-approval process is simple. By completing a free customer profile assessment and with pertinent applicant, residency and income information our consultants can help inform you as to which homes and loan programs you will most likely qualify.