i have a MSc in Physics with GPA 3.95 and i demand that u as a lender give me a
4% interest rate for my mortgage.

i recalled someone came to me and said that. i could not believe that!!

ok..... u have a MSc.... and do u think Wells Fargo really care? i think they do,
since u are able to pay for your education in the USA. hmm.... so...u paid for
your education in the USA? u paid? did u really paid?

back to the topic. the lenders care, if u can pay the mortgage on time and how
can the lender determine if u can pay on time? they look at your paycheck.
they look at your credit report. they look at your debt. and so forth. they don't
care if u have GPA 3.0 or 4.0.

did the school of physics teach you about FICO score? or it is that one of your
buddies mentioned it to you. now u tell me, do u think with a college degree,
the lender will smile to u..... yeah, after looking at your 786 FICO score.

i know you studied your butt off to get a GPA 3.95. i know u studied for 78 hrs
straight. i know you studied and had internships. here is the thing. the college
degree will only bring you to the door. u have to survive the phone interviews.
u have to survive the on-site interviews. and most of all, once u are in......
all those paper paper thing, matters no more. all that matters are your
personality, your character, your people skill, and ultimately, getting along
with people and demonstrate that you are a team player. u have to survive
the world with your character and your attitude.... then your school-thing.