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In the thick of the housing boom, borrowers were approved for home loans without providing documentation of their income and assets. Subprime lenders approved loans for borrowers with low credit scores, although they often charged higher interest rates to those borrowers. Since the housing crisis, the majority of subprime lenders went out of business, but depending on your circumstances, you may still qualify for a home loan. Some of the basic pre-requisites to be approved include â being over the age of 18 and being employed. It is also important that you are a citizen of the US and that you have a valid checking or savings account. If you have the choice between a savings and a checking account, go with your checking account because more lenders accept checking account loans relative to savings account loans. Also, make sure that you check your state by state regulations because payday loan laws vary depending on where you live. Alert updated: 03/28/2013 Receiving the money from your loan is easy- it is deposited right into your bank account.
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