3 Qualifiers

Credit Grade: Your credit is graded between an A++ and D. It is determined by an analysis of credit reports from the three credit bureaus: Transunion, CBI, and TRW.

Loan to Value: Loan to Value (LTV) is measured as a percentage from 0-100%. It is determined by dividing the amount of money secured against your property by the appraised value of your property.

Debt Ratio: Debt Ratio (D/I) is measured as a percentage from 0-100%. It is calculated by dividing your monthly expenses (mortgages, car payments, and minimum monthly payments to credit cards) by your gross monthly income.