Good Credit Alone Isn't Always Enough to Get a Mortgage

Bills have been paid on time without ever paying a late fee. Check. No outstanding credit card debt. Check. A two-income family with investment income. Check. It sounds like this couple will pass the smell test for a mortgage without any problem. And that's a problem, says Todd Huettner, a mortgage broker based in Denver. "You have to have good credit to get a loan, but having good credit won't get you a loan," he