Do not list fake co-borrowers on your loan application.

Do Mortgage Specialist Have To Provide The Name Of The Lender Before Closing Do not change your income tax returns for any reason. Your current income includes your base salary, any commissions or bonuses, dividends, etc. Do not list fake co-borrowers on your loan application. Be truthful about your credit problems, past and present. Inform you of your maximum affordable home value, and save you from previewing properties outside your price range.

It makes no sense to start looking for a house until you know how much you can comfortably afford. Equity is built faster because early payments pay more principal.