The 4 C's of Mortgages

Anyone who is new to the mortgage business is first taught about the 4 C’s to underwriting, Capacity, Credit, Cash, & Collateral. The #1 one thing to understand is you can’t have one without the other.

You might think because you have great credit and a lot of assets that you should get a loan but that isn’t the way it works anymore. does a great job in explaining what each C means