If you're worried about how your credit report will affect your ability to buy a home, you're not alone. While your credit report is important, it's one of several factors that come into consideration when your loan application is reviewed.

If you've had credit problems, the best course of action is to honestly discuss them with us. When we meet initially to discuss which loan is right for you and to begin the application process, please try to have a written explanation and documentation of past credit history and/or issues. SkyBlue Residential Lending understands that many people have legitimate reasons for credit problems, such as unemployment, illness, or other financial difficulties. (You can also add a statement to your credit file explaining various circumstances.)