不同类型的抵押贷款公司

When in search of a home mortgage lender, homebuyers should remain up-to-date on the latest real estate trends, and familiarize themselves with different mortgage lenders.在住房抵押贷款搜查时，购房者应保持最新，了解最新的房地产发展趋势，熟悉不同的抵押贷款机构自己。 Mortgage companies or lenders service specific types of clients.按揭贷款服务的公司或客户的特定类型。 Whereas some lenders offer a range of home loan options for many different credit scenarios, other lenders prefer a certain type of cliental.但有些贷款人提供许多不同的信贷情况的房屋贷款选择范围，其他贷款人喜欢某种类型的cliental。 For this reason, choosing the right mortgage company is essential.为此，选择合适的抵押贷款公司是必不可少的。 Before doing so, homebuyers must be knowledgeable about their credit standing.在此之前，购房者必须了解其信誉。

How Credit Influences Mortgage Loan Options? 如何信用抵押贷款选择的影响？

With the variety of home loan programs, the number of people getting approved for mortgages with bad credit has risen.随着家庭贷款项目不同，人数获得批准的信用不良贷款上升。 Still, there are certain disadvantages to accepting a bad credit mortgage loan.尽管如此，仍有一些缺点接受信用不良抵押贷款。 For starters, only a few number of mortgage companies are willing to offer these loans.首先，只有少数一些抵押贷款公司愿意提供这些贷款。 Additionally, bad credit mortgages commonly offer unfavorable loan terms and rates.此外，不良信贷抵押贷款通常提供不利条件和费率。

Credit rating greatly affects the mortgage companies you can apply with.信用评级大大影响了抵押贷款公司可以适用。 When consulting a mortgage broker or mortgage expert, these individuals will suggests suitable mortgage companies.当咨询抵押贷款经纪人或抵押的专家，这些人将建议适当的抵押贷款公司。 If not, take time and educate yourself on the various types of mortgage lenders, and choose the company that matches your credit profile.如果没有，需要时间和教育的抵押贷款机构的各类自己，并选择符合您公司的信用状况。

Prime Mortgage Companies 抵押贷款公司

Prime mortgage lenders are companies that work with ideal loan candidates.总理的按揭贷款与公司贷款的理想人选。 In other words, persons applying for these sorts of loans have an excellent credit history, which is usually reflected in their high credit score.换言之，人对这种类型的贷款申请有一个很好的信用记录，通常是在他们的高信用评分中得到反映。 Qualifying for a prime mortgage loan is difficult.为抵押贷款的排位赛是困难的。 These loans are commonly offered by traditional mortgage companies, banks, and credit unions.这些贷款通常提供的传统的抵押贷款公司，银行和信用社。 Nonetheless, individuals who match the criteria of a prime borrower are offered the lowest rate and best mortgage loan options.然而，个人谁匹配借款人的一个主要标准是提供的最低利率和抵押贷款的最佳选择。 Typically, prime mortgage borrowers will need a credit score of 680 or higher.通常情况下，抵押贷款借款人将需要680或更高的信用评分。 Furthermore, these borrowers generally have the recommended 20% down payment.此外，这些贷款一般都建议首期20％。

Sub Prime Mortgage Companies 小组抵押贷款公司

Unfortunately, the majority of homebuyers applying for mortgage loans will not qualify for a prime loan.不幸的是，按揭贷款申请将没有资格获得贷购房者占多数。 Instead, these persons will have to settle on home loans offered by sub prime mortgage companies.相反，这些人将要解决由次级抵押贷款公司提供的住房贷款。 Sub prime lenders service a range of home loans.小组抵押贷款服务的住房贷款的范围。 These consist of loans for people with recent foreclosures, bankruptcies, no credit, and bad credit.这包括对市民的贷款最近的抵押品赎回权，破产，没有信用，不良信用。 Furthermore, sub prime lenders offer no money down home loans, affordable housing programs, and stated income loans for self-employed homebuyers.此外，次级抵押贷款提供没有钱了住房贷款，负担得起的住房项目，并表示自己的收入贷款雇购房者。

Sub prime lenders have diverse lending requirements.小组抵押贷款有不同的贷款要求。 A large percentage of sub prime lenders will not approve a home loan application if the borrower's credit score is lower than 580.阿次抵押贷款的很大比例不会批准，如果借款人的信用评分低于580家庭贷款申请。 Yet, some mortgage lenders market home loan approvals with credit scores as low as 500.然而，一些抵押贷款市场的家庭作为低信用等级为500的贷款审批。

Deciding on the Right Mortgage Lender 决定权抵押贷款

Homebuyers have two options: either select a direct lender or use a mortgage broker.购房者有两个选择：要么选择直接贷款或使用抵押贷款经纪人。 There are advantages to both alternatives.既存在替代的优势。 Direct lenders offer in-house financing.直接贷款提供内部融资。 In this case, the loan application and approval process is fast.在这种情况下，贷款申请和批准程序快。 Unfortunately, this option closes the door on comparison shopping.不幸的是，这个选项就比较购物关闭的大门。 Mortgage brokers are ideal for individuals preferring multiple lending options.抵押贷款经纪人非常适合倾向于选择多种个人贷款。 As mentioned earlier, brokers act as mediators.如前所述，经纪人作为调解人。 Their task entails finding a choice of mortgage companies and home loan programs, from which their clients can choose between.他们的任务需要找到一个家庭抵押贷款公司和贷款计划，从他们的客户可以选择的选择。

Different Types of Mortgage Companies不同类型的抵押贷款公司