Mortgage Application Credit -

Lenders use your score to decide your interest rate . A higher score could save them thousands of dollars over the life of the loan.

The underwriter scrutinized every bank statement and tax return.

To get past the gatekeeper, the couple had to prove they were reliable through the :

They looked at the ratio to ensure Sarah and David weren't borrowing more than they could comfortably afford. 4. The Final "Don't"

Through their journey, they learned that a mortgage isn't just about how much you earn, but how you’ve handled credit in the past. 1. The Tale of the Two Scores