Qualification Standards
While lender criteria varies, well-positioned profiles typically demonstrate:
• 720+ personal credit score
• No late payments or charge-offs
• No derogatories or bankruptcy
• Credit utilization under 20%
• Fewer than four recent inquiries
• Minimum four years of established credit history
These standards are not arbitrary; they reflect risk modeling thresholds used by financial institutions.
If your profile is close but not fully aligned, we address positioning before execution.