mortgage credit risk

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mortgage credit risk



22. Credit risk


Banks and other investors loan money to make money.  If there is some risk of not being paid back,  the lender will want a higher interest rate to offset the cost of those loans that go sour.  The higher the risk, the higher the interest rate.   If you are considered too high a risk, lenders may not loan you money no matter how high a rate they can charge.

If  your credit rating is not stellar, talk it over frankly with the broker or lender you hope to deal with.  They may still have some loan package that is suitable.  If not, try another lender or embark on a credit improvement campaign.




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