In short, they’ll focus on the four Cs: capacity, credit history, capital, and collateral. Capacity refers to your ability to repay debts. The NewFed team will examine your employment history, mainly how long you’ve worked at your current company and how much you earn. This helps us determine if you can make the required payments.   Credit history is used to predict whether you’ve consistently paid your debts over the years. The better your credit, the more trustworthy you appear to lenders.   Capital is the amount of cash you have available for a down payment.   Collateral is your backup asset(s), such as other property you own or an investment account, that a lender could seize should you fail to repay your loan.