Remember the Bob Seger rock classic, "I'm Not a Number"? When you apply for mortgage credit, make that song your anthem. Certainly, do all that you can to boost your credit score, but never deal with a lender who confuses the total you with your credit score.4 By the same token, never assume that your astute loan rep and underwriter will intuitively recognize your worthwhile qualities. Just as the aspiring Stanford applicant must document why she deserves admission, you, too, must persuasively document why the lender can trust you to pay back that $750,000 you're asking to borrow.
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