30 tips to get your mortgage approved
TRANSCRIPT
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30TIPSTOGETYOUR
MORTGAGEAPPROVED
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Ge/ngamortgageisnotlikegoingtothegrocerystoreandchoosingthepackagewiththelowestrateandbestterms,it’sabitmorecomplicatedthan
that.
JACKIEWOODWARDMORTGAGEEXPERTTMGTHEMORTGAGEGROUPINFO@MORTGAGEGIRL.CAMORTGAGEGIRL.CA780-433-8412
Tohelpmakeyourtriptothemortgagemarketgosmoothly,I’mgoingtoshare30quick:psonhowtogetyourmortgageapproved.
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1.Haveyourdocumentsreadytogo
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Ifyou’renotsurewhatyou’llneed,findoutfirst,andgetaheadstartonanypaperworkyou’remissing.
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2.Getamortgage
pre-approvalaheadofRme
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Ifyouareunsureastowhetheryouwillqualifyforamortgageorwhatyouhavetodobeforeevenqualifyingforamortgagehavealendertakeapreliminarylookatyourapplica:onsotherearenodisappointmentswhenyouarereadytobuy.
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3.Haveagoodcredit
score
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ThehigherthescorethebeBer.
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4.Don’tborrowyourdownpaymentifyoudon’thaveto
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Themoreyouhavefromyourownresources,themoreappealingyoulooktoalender.
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5.Haveminimaldebt
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Theless,thebeBer.
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6.Buywithinyour
means
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Youneedtoqualifyforwhatyoubuy,ensureit’saffordable.
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7.Staywiththesameemployer
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Thelongeryou’vebeenwiththesameemployer,thebeBeritlooks.
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8.Providealarge
downpayment
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ThemorethebeBer,becauseitmeanslessriskforthelender.
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9.SellyourexisRng
propertyfirst
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Ifyoudon’tsell,youmustqualifytocarryboth.
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10.Havegoodcreditrepayment
history
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Agoodcreditscoredoesn’tmeanmuchifthere’snotenoughhistoryofdebtrepayment.
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11.HaveposiRvenet
worth
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Assetslookgoodtoalender.
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12.Don’trush
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Some:mesyoucan’trushagoodthing.
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13.Shoparoundforthebestratebefore
youbuy
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Preventdelayswhenitcomes:metobuy.
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14.Doyourresearchfirst
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Bepreparedtoavoidsurprises.
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15.Don’tchangejobsatthelastminute
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Yourlenderwillneedthenewdetailsandproba:oncancauseissues.
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16.Avoidlast-minutelarge
purchases
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Materialchangestoyourapplica:on,includingdebts,canalteryourapprovalstatus.
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17.Consultaprofessional
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Usetheirexperiencetoyouradvantage.
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18.Augmentyoursavingsaccount
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Moremoneyisalwaysagoodthing,right?
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19.Understandwhataco-signeris
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Justincaseit’sneeded,you’llbeready.
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20.AskforexcepRons
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Youdon’tgetwhatyoudon’taskfor.
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21.BepreparedtonegoRate
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Ifit’sveryimportanttoyou,bepreparedtodiscussit.
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22.Don’ttakenoforan
answer
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Ifyoudon’tsucceedonthefirsttry,tryandtryagain.
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23.Haveaback-upplan
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Ifitdoesn’tworkoutoneway,prepareforaplanB.
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24.Filloutyourpaperworkaccuratelythe
firstRme
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Save:meandenergybydoingitrightthefirst:me.Askques:onsifyou’reunsurehow.
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25.Behonest
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Mortgageapprovalscanbewithdrawnifafalsifica:onisdiscovered.
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26.Knowyourincomeifyou’re
self-employed
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Itneedstobeclearlypresentedtoalender,somakesureyou’reontopofit.
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27.BeopentoalternaRves
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Theremaybeotherop:ons,butbepreparedforpoten:allyhigherinterestrates,andfees.
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28.Budgetforclosingcosts
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Costscanvary,beprepared
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29.Paya`enRonto
detail
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Some:mesit’sthesmallthingsthatcanmakeabigdifference,readthefineprint.
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30.It’sokaytowait
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Anapprovalmaynotbepossiblerightnow,thatdoesn’tmeanit’snevergoingtohappen.
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WhiletheseFpsmightmakege/ngamortgageapprovalabitmore
likely,workingwithanexperiencedmortgageprofessionalwhocansuccessfullystructureyour
applicaFonforacceptancebyalenderisthequickestrouteto
homeownership.
JACKIEWOODWARDMORTGAGEEXPERTTMGTHEMORTGAGEGROUPINFO@MORTGAGEGIRL.CAMORTGAGEGIRL.CA780-433-8412
Onceapproved,makesureyou’recomfortablewiththecommitmentyou’reabouttomake.Ensurethenewmortgagesupportsyourlifestylebybeingaffordableandalignswithyourfinancialgoals.
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LET’SCHAT!
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