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WhiteRockLoans. com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score.

To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Were Committed To Service, Speed Security. Connect with a Helpful Lender.

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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.

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