A borrower can even apply for a loan with no income verification. Typically, however, the bank requires a large-than -usual down payment 25 to 35 percent or more, and a clean credit record.

借方甚至没有收入证明也可以申请贷款，可尽管如此，银行却会特别要求一笔25 - 35%甚至更多的巨额首付和一个无污点的信贷记录。

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Wipe the drive clean : Don't leave personal and financial data, including credit card, bank account, and social security numbers, on your hard drive.

清空你的驱动 ：不要在硬盘上留下任何个人资料和财政资料，包括信用卡，银行帐号和社会安全号码。

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People with heavy credit card debt should not consider buying now. "They must clean up their credit first," Chu says.

有大额贷款负担的人现在也不要考虑买房，“他们首先应该清偿债务”楚说。

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If you have clean credit, pick up the phone and make the call.

FORBES: Ridding Yourself of Credit Card Debt

The best advice: Clean up your credit score by paying your bills and retiring any unnecessary credit cards before you go hunting for funds.

FORBES: When Bad Credit Haunts A Good Idea

The biggest lump sum they have to look forward to clean up their credit card debt is an income tax refund.

FORBES: All I Want For Christmas Is An AMT Patch