按揭贷款业务仍在向最基本做法回归。美国银行(Bank of America)的家庭贷款销售部门负责人弗农(Matt Vernon)说,这意味着借款人要有良好的信誉,贷款要付首付,并且借款人要准备齐贷款机构要求提供的各种文件。他说,贷款总是可以得到的,但获得的方式却与以往有了不同;与10年前相比可能没什么不同,但与五年前相比则有所不同。
Borrowers will typically need a FICO credit score of at least 740, and a minimum 20% down payment to qualify for the best rates on a standard mortgage, says Mr. Gumbinger. FHA-backed loans require a minimum 3.5% down payment and lenders often require a minimum FICO score of 620, he adds.
嘉彬葛说,美国申请标准按揭贷款的人要想获得最优惠利率,通常需要美国个人消费信用评估公司(FICO)给其的信用评分达到740分以上,并且同意至少支付相当于总房款20%的首付款。嘉彬葛还说,联邦住房管理局提供担保的按揭贷款需要借款人最低支付相当于总房款3.5%的首付款,而且借款人的FICO信用评分还常常需要达到620分以上。
And be prepared to break out the paperwork-lots of it. You'll typically need to have one or two years of tax returns, as well as pay stubs from an employer, which some lenders didn't ask for before the crash. Also expect to provide statements from your bank and brokerage accounts, says Mr. Vernon.
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