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@ LS,
Yes, you are right. They will consider your credit score. However, lenders will also check numerous items as well. Such as, source of income, assets, credit history, and etc...
Like LS said, it is important to have a high credit score to get approved on low interest rates. 30 year fixed for 4.125 (from Wells Fargo). Anyways good luck with your mortgage loan
Thank you all for you responses i talk to our credit union the other and ask them about her not having any credit and they said same thing that she mus have a fico score of 620 in oder for her to apply for the loan.
thnk you , all again and for these forum are betty helpful