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How to be a mortgage lender's favorite borrower

By Marcie Geffner -

Getting a mortgage isn't just about whether you can qualify. It's also about whether you can work well with your loan officer, making the process smoother and easier for both of you.

Ideal customers are not only financially well-positioned, they're also knowledgeable, realistic and cooperative, says Joe Metzler, mortgage consultant at Mortgages Unlimited in St. Paul, Minnesota.

Conversely, no matter how qualified you are to get a mortgage, your loan might never close if you ignore instructions and treat your mortgage lender like a misbehaving puppy.

"Some people get it. Some don't," says Jay Dacey, mortgage broker at Metropolitan Financial Mortgage in Minneapolis. "You don't have to have perfect credit or super-high income to qualify. It's really more about their attitude than their finances."

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