A. I. Osaze & Sons Enterprise

Loan approval depends on factors such as your credit score, income, employment history, debt obligations, and the type of loan you are applying for. Each lender has specific criteria, but maintaining a strong financial profile increases your chances of approval.

Yes, some lenders offer loans for individuals with low credit scores. However, these loans often come with higher interest rates. Improving your credit score before applying can help you secure better terms.

A mortgage is a loan used to purchase real estate. The lender provides the funds, and you make monthly payments, which include principal and interest. Additional costs such as property taxes and homeowners’ insurance may also be included in your monthly payment.

While a strong credit history helps in mortgage approval, some lenders offer alternative options, such as manual underwriting or reviewing other financial documents like rent and utility payments.

The amount of home you can afford depends on your income, debts, credit score, and available down payment. Using mortgage calculators or consulting with a real estate professional can help determine your price range.

Insurance provides financial protection against unexpected events like accidents, illnesses, property damage, or liability claims. It helps you mitigate risks and secure your financial future.

Insurance brokers compare multiple insurance policies from different providers to find the best coverage at the most competitive rates. They offer personalized advice and assist in claim processing if needed.