That is usually the first question that every homebuyer asks.
Character shows a person s willingness to repay a debt.
To determine character, a lender will examine your credit history. A person s capacity deals with their ability to repay. To determine capacity, a lender will look at your employment history and capacity for future earnings. Capital An individual s capital is the amount of money that they have available for down payment and reserves. A lender will examine your bank statements or other investments to determine capital.