An application for a mortgage loan requires many things to be considered. One very important factor that could influence the acceptance of your mortgage loan is your credit history. In other words, if you have good credit score, you are highly qualified for that mortgage loan but if you have poor credit score then chances are you would fail in acquiring that mortgage. This is true for many large mortgage lending establishments. Ofcourse, as mentioned there are other factors that could influence your acquiring of a mortgage loan. Spme of these factors are value of the property, policies of the mortgage lending company, and others that are outside of the market rates. More information