Jessica Walrack

Credit score: You may need to meet minimum credit score requirements. Applicants with FICO scores below 670 (generally the benchmark for good credit ) may not qualify, although some lenders cater to borrowers with fair to bad credit .&nbsp;
Credit report: Lenders often check your credit reports to review your payment history, outstanding debts, and other records. Derogatory marks or high credit utilization rates can result in denials.&nbsp;
Income: Lenders will check your income amounts, sources, and payment frequency.
Employment status: Many lenders require you to be actively employed and will ask about your employment history.&nbsp;
Valid government ID: You must have a valid identification document from the U.S. government.&nbsp;
Active bank account: You must have an open and active bank account where the funds can be deposited.

11+ years in personal and business finance.
Loan and mortgage expert.
Work has appeared on CBS MarketWatch, USA Today, and U.S. News & World Report.

Bio and experience

Jessica Walrack is a freelance writer and journalist with more than 11 years of experience in personal and business finance, specializing in loans, insurance, banking, mortgages, credit cards, budgeting, and taxes.

Her previous roles have included senior copywriter at Bright Scout and freelance finance writer at The Balance, Money, Forbes The Simple Dollar, and SuperMoney. Jessica is currently contributing her finance expertise to Investopedia, USA Today, U.S. News & World Report, and CBS MarketWatch.

Her work has also been featured at Newsweek Vault, Buy Side from WSJ, Fidelity Investments, and MSN. In addition, Jessica helps startups, small businesses, and Fortune 500 companies execute their content marketing strategies.

Jessica Walrack

Bio and experience

Articles by Jessica Walrack