Jim Owens discusses the 4 “C"s of home buying (Credit, Capacity, Collateral, and Cash to Close). You want to have all of the 4 “C”s because they show the lender that you can pay your bills on time, afford your mortgage payments, and still have liquid assets left over after a purchase. If you can exhibit the 4 “C”s you will more then likely qualify for a loan.
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