Give the lender all information that supports your application. For example, stable employment is important to many lenders. Perhaps you've recently changed jobs but have been employed steadily in the same field for several years. If so, include that information on your application. Get a copy of your credit report before you apply for a mortgage.
Reports sometime contain inaccurate information.
For example, accounts might be reported that don't belong to you or paid accounts might be reported as unpaid. If you find errors, dispute them with the credit bureau and tell the lender about the dispute. If you've had past bill-paying problems, such as a lost job or high medical expenses, write a letter to the lender explaining what caused your past credit problems. Lenders must consider this information at your request. Some mortgage lenders may try to charge some borrowers more than others for the same loan product offered at the same time.