Pay all my bills on time and have what is considered a high credit score.
680 or higher
My credit is good. I pay my bills and have a solid credit score.
600 - 679
My credit score is okay, but there are areas upon which I can approve.
My credit score needs work.
I am shopping for a home but haven't found one yet.
I have a home picked out and need a mortgage.
Neither myself nor my spouse is a veteran, active duty military, reservist, or otherwise eligible
for a VA loan.
I am (or my spouse is) a veteran, active service member, reservist, or otherwise eligible for a VA loan.
I haven't had a bankruptcy or foreclosure in the last three years.
Within the last three years I have had a bankruptcy discharged and/or a property foreclosed upon.
I am employed, retired, self-employed with supporting tax returns, or otherwise able to verify my income.
In the last twelve months I have never been 30 days late on my mortgage or rent.
I have been 30 days late on my mortgage in the last twelve months.
I have been 30 days late on my mortgage at least twice in the last twelve months.