 TITLE: Why Would a Mortgage Application Get Denied? CONTENT: Increase Your Chances of Getting a Mortgage\n-------------------------------------------\nDon't wait until after you receive a declination letter to learn that there's a problem with your credit. Before you apply for a mortgage, get a copy of your free credit report and free credit score to see if there are any issues that might keep you from getting approved.\nIf there are mistakes on your credit report, have them corrected. If your credit score is too low, take steps to improve your score before you apply for a mortgage. Paying down debt, demonstrating good credit habits and reducing your credit utilization can boost your odds of getting a mortgage—and of successfully paying it off. END