Purchasing a House
	The decision to purchase a new home can be very exciting and grueling at the same time.  In this section  we will provide you with the information lenders look for when approving a loan. When applying for a loan on your new home, remember that you do not necessarily have to have the house picked out to begin the process.  When applying for a loan, the lender is generally looking for two main factors:  Your ability to repay the loan and your willingness to repay the loan. Your ability to repay is based on the following: Your employment income - how much you make at your current job, and Your employment history - generally mortgage companies prefer that you have been employed at the same place for at least 2 years. Your willingness to repay is based on the following: How will the property be used? - will you be occupying the house or will you be renting it out for additional income? Your credit history - How current are you on all of your monthly payments and do you have any other outstanding debt? Please remember that each case is handled individually and that there are no set rules.  eHomeCredit is in the business of getting you a loan.  We will help you find a loan program whether your credit is excellent or less than perfect.  We have programs that may suit you even if you have had past credit problems. Contact eHomeCredit and we will guide you every step of the way! Pre-Qualify now and determine your eligibility, or Apply now!  Go straight to the application.