Went through some of this when we bought the beach house.

At that time, banks wouldn't make a loan on a condo at all, and getting a loan for a house was damn near impossible.

Our loan came from the credit union we've been members of for years. Turned out to be a fairly easy process, especially so since we had no other debt.

Zero CC balances, zero car payments, and it all gets a lot easier.


I'd say, if you get your numbers looking REALLY good, the process will go better.