How do lenders sum up borrowers? With the four Cs of credit. Gather supporting information for your visit with a lender.

Credit History – Focus is on your employment history and your reputation as a responsible person;
Capacity – Do you have the income to repay a loan?
Collateral – How much capital, other than cash like another property to put down as capital;
Conditions – How much cash can you use as a downpayment.

4 Cs of Credit

Wells Fargo offers a short description of the 4 C's with the video that follows: