The role of the FICO score on poor credit home mortgage loans has changed recently since the mortgage meltdown. In the not too distant past, a high FICO score would generally assure you of getting a home mortgage loan at a low interest rate.

Having good credit scores is not the only factor in getting approved for a mortgage loan. One of the main criteria is having a low debt to income ratio.

Are you trying to get a Countrywide loan modification? If so, it is important to learn about some of the requirements Countrywide Bank demands to those of you interested in being part of this program.