When looking for a mortgage deal, your credit, good or bad, is only ONE factor lenders look at when deciding what interest rate you will receive.
That's not to say, your credit history is NOT critical to you receiving the best interest rate but it's not the only factor a mortgage lender looks at. And the evidence is quite revealing.
Here's a quick overview...
It has been revealed in a study of about 400 bad credit borrowers (below 650 credit score) that they simply did not aggressively compare rates - that is, they went with the first mortgage quote they received.
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