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The loan-to-value (LTV) ratio is probably the most important of the three underwriting ratios

Are you and your business credit worthy?

You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

When you're making your decision, there are several things in mind.

Even at low rates, a shorter term means a higher monthly payment. The benefit is that you'll build up equity faster and pay far less in total interest over the life of the loan.

If you have a fixed rate loan, the interest rate is set for the life of the loan. However, many companies offer variable rate mortgages, also known as adjustable rate mortgages or ARMs.