Before applying for a loan, take a look at your credit score. A FICO credit score of 670 to 739 is considered good, while a score of 740 to 850 is considered very good or exceptional.

If your score is weak, consider taking steps to improve your credit before seeking a loan. You can improve your credit by paying off balances and limiting credit card usage to 20 percent of available credit. Know what size loan you can afford. Many experts say your mortgage loan shouldn't exceed 2. 5 times your annual salary. Your monthly payment will be dictated by the size of your loan and the amount of your down-payment. You can reduce the size of your monthly payment by increasing the size of your down-payment.

Get pre-approved by a mortgage lender.

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Regardless, WhiteRockLoans. coms service is always free to you. By submitting your information via this website, you are authorizing WhiteRockLoans. com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness.

Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize WhiteRockLoans.

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The best personal loan rate in malaysia

Agreement to a contract you are not happy about ads to your financial stress. Bonsai Financial aims to connect you with several different companies.

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The best personal loan rate in malaysia