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Taking the Fear out of the Mortgage Process

Taking the Fear out of the Mortgage Process | Simplifying The Market

A considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainty about the buying process. A specific cause for concern tends to be mortgage qualification.

For many, the mortgage process can be scary, but it doesn’t have to be!

In order to qualify in today’s market, you’ll need to have saved for a down payment (the average down payment on all loans was 11% last month, with many buyers putting down 3% or less), a stable income and good credit history.

Throughout the entire home buying process, you will interact with many different professionals, all of which perform necessary roles. These professionals are also valuable resources for you.

Once you’re ready to apply, here are 5 easy steps that Freddie Mac suggests to follow:

  1. Find out your current credit history & score – even if you don’t have perfect credit, you may already qualify for a loan. The average FICO Score of all closed loans in September was 731, according to Ellie Mae.
  2. Start gathering all of your documentation – income verification (such as W-2 forms or tax returns), credit history, and assets (such as bank statements to verify your savings).
  3. Contact a professional – your real estate agent will be able to recommend a loan officer that can help you develop a spending plan, as well as determine how much home you can afford.
  4. Consult with your lender – he or she will review your income, expenses, and financial goals in order to determine the type and amount of mortgage you qualify for.
  5. Talk to your lender about pre-approval – a pre-approval letter provides an estimate of what you might be able to borrow (provided your financial status doesn’t change), and demonstrates to home sellers that you are serious about buying!

Bottom Line

Do your research, reach out to professionals, stick to your budget, and be sure that you are ready to take on the financial responsibilities of becoming a homeowner.

Source: DZ

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  103. We really don’t like the idea of lying to our kids so we have no intention of telling them Santa is real or even giving them presents “from Santa,” but just like your son my daughter seems to be deciding he’s real all on her own. I hope she’s not too devastated when there are only presents from Mommy and Daddy under the tree, now that she’s old enough to know she should be getting one from Santa…Do you give your son presents from Santa or just avoid the whole thing altogether?

  104. "Should the League of Arab States gain bloc voting power at ICANN, there is every indication that it will seek to replicate its effective takeover of the United Nations General Assembly, likely in conjunction with the Organization of the Islamic Conference (OIC)."Build foolish institutions, send fools to represent us, then wonder why evil wins.John Harris White stands in the long tradition of Cleaver, Sands, DeFreeze, Cobbins, et. al. who celebrate the murder of people of un-color. It can only get worse.

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  110. I would think there would be criminal liability as well for violation of federal law. I thought the purpose of and the provisions within the NWPA were to direct the President, the DOE Secretary, and other DOE personnel to be actively developing a waste repository for high-level nuclear waste. By trashing YM, they are not doing this. Forming yet another study group is not fulfilling the obligations of the NWPA. I wonder who would be responsible for bringing criminal charges? If it's the DOJ then nothing will happen. Obama's DOJ is the biggest bunch of criminals around.

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  124. Un paio di sere fa ti ho sentito a Radio24 con una breve intervista da parte di Cruciani durante “la zanzara” a cavallo delle 20.00.Si’, è disponibile il podcast sul sito di Radio24.E’ stata un’improvvisata, magari nata da una tua telefonata in redazione, oppure era un appuntamento già previsto ed organizzato?Improvvisatissima: un’agente CIA — ehm, un’amica (grazie Chiara) mi ha telefonato avvisandomi che stavano parlando del libro, io ho mandato un SMS alla redazione offrendo la disponibilità, e la redazione mi ha agguantato in extremis.

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  130. I agree so much with your view on Cow Birds, I have the same feeling with all the birds that are black. But these birds are not black. I see browns, grays, reds, greens. Good light brings the incredible colors of these “black” birds. Excellent work as usual. You never disappoint.

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  132. Hay veces que cuando recibimos, daño de otras personas, y nos enfurecemos, sentimos la nececidad de matar, creemos que con eso se solucionara todo, pero a aquellos que nunca hemos matado y no sabemos lo que es eso, ¿podremos vivir con eso en nuestras conciencia? seria bueno saberlo, y asi tomar una decicion.

  133. En fait, elle est bien plus intelligente qu’elle en a l’air… Elle vous a piégé comme des bleusailles!Je m’explique: « blabla… Qui diable y résisterait?’ Réponse : les journalistes. Les vrais. » Qui resisterait à la calomnie ? les vrais journalistes qui eux, ne craignent rien , vu qu’ils sont assez professionnels pour se tirer blanc comme neige de toutes les plus noires calomnies! Et toc ! Bon ok je sors…

  134. Tobin- Field noch nicht besucht hat : Kategorie Selber Schuld . Apropos Foley siehe unsere backlist ]] . – LEVEL SHAPES hat veritable LP- Aussmasse , von welchen wir hier allerdings nur die ersten

  135. I have been a pettipant wearer for years, esp since I wear skirts most of the time. ( I lovingly call them my bloomers!) In a pinch I wear mens boxers, silky, so skirts stay down nicely. I find the longer styles of boxers work well, but sometimes the waistbands are tooo thick, so I alter them. All for the glory of wearing skirts and not having the dreaded ride up the legs look!And your skirt…as usual you ROCK!

  136. Thank you for posting such wonderful advice, as it is probably among the best words one can share on the matter.It took me writing ten novels to be able to get to the point where I could look back on the first few and cringe at the thought of having actually sent out queries for them. Now, I understand the importance of patience in writing. One might be born with talent, but without practical experience, the writer will never realize his or her full potential.

  137. Okay, I’ve seen this video before. Did you send it to me once because of my son’s love for snails? I’m too tired to remember or to drill down through various emails or through broken links. Lovely video though. I’d like to ask Mr. Underhill (hard for me not to think of a certain hobbit there) if women don’t fall in love with truth or maybe we are truth…I am way too tired whether I am here or there.

  138. amReally? REALLY??????? We need to get back to teaching our kids a moral code. It’s not the school’s job…it’s OUR job. C’mon parents! Let’s put on our big-boy and big-girl pants and do our jobs!….And schools…let’s not teach the namby-pamby feel-goodism anymore. Let’s TEACH!

  139. How do you make your ex boyfriend miss you when you go to the same school?We’ve been apart for two weeks now. He’s been avoiding me by riding a different bus.I would attend a class with him at school on my free time when we were together, but I don’t go anymore because we’ve split. But on the days that I really need to go to that class for extra help, what do I do? Keep avoiding him? Should I go to that class purposely just so he can see me?

  140. C’est vrai qu’on s’est longuement creusé la tête, on a fait tellement d’essais avant de tomber d’accord sur celui-là.Ce fut long, mais au final, ça marche bien.Et heureusement, ici on est pas l’UMP ^^

  141. Congrats on the twins Iain – and hope you guys can get some sleep to help you cope with all the change!I understand about the redundancy thing – in 2008, 400 of us were laid off in one day from our jobs, everyone given a form letter and that was it – but I didn’t have newborns – so my thoughts are with you.On the plus side, you have a great platform established – and if you want to promote your services on my site, you’re welcome to write a guest post anytime!All the best, Joanna

  142. Me uno al comentario de Rodrigo, habemos muchos que estamos conscientes del cambio que se està dando, en lo personal, creo que màs allá de un cambio a raíz de la actividad solar o cualquiera otra en orden relativo, me inclino y siento y creo que esto va màs allà, tal vez una trascendencia multidimensional?, estaremos despertando y “viendo” que hay tanto màs en un mismo punto, que lo visto?. En fin, apasionantes temas los que nos entregan a diario. Gracias por ello.

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  146. ahoj, Jara já mooc ráda, je hroznÄ› milý, moudrý, jeho žena Martička je neuvěřiteln, takové ženy se už dneska snad ani nerodí… Takže myslím, že sis to musela opravdu užít… 🙂 santhe

  147. Je suis bien d’accord avec vous Si cela se trouve, Alice et Bob sont même des transsexuels ; auquel cas, on est encore plus dans le « politiquement correct de la représentativité ». Mais cela n’a pas dû être imaginé par ceux qui ont râlé au début.

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  155. After magrib prayer at Morningside Masjid in South Africa on 10-11-12, I attended a nikkah facilitated by Mufti Ismail Sahib. I was taken away by his speech. The speech was very practical about nikkah, the relationship between a husband and wife, how to treat one’s wife, all of these information very crisp with a few minutes with a high sense of humor, to reach people from diverse religions.Insha- allah, the almighty will continue to give him the power of speech, wisdom, presentation skills and the convincing power to reach many more people like me. Ameen

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  180. God is not a regarder of personages.Romans 2:11For there is no respect of persons with God.We are all His children and loved by Him. This does not mean He likes or approve of some of our thoughts or actions.We are one Church under God Almighty and there is not a ranking in this area.Each of us have different talents we bring and contribute to the whole.

  181. There is plenty of proof what is a chemical imbalance.a chemical imbalance is caused by a intake problem.its hard to say what caused the imbalance?it could be a illegal drug use that caused it.a chemical imbalance is a internal war.and the behavior could lead to suicide on a long term basesfor many reasons that are fatigue.this in fact would leave the drug manafacture wide open to law suits.

  182. Em relação ao endividamento das famílias e particulares, não é possível pôr o Estado a decidir quem pode contrair créditos e quem não pode… A regulação tem muito que se lhe diga. Agora, acho que deveria haver punição com pena de prisão e multa para quem endividasse o Estado. Soares, Cavaco, Guterres (…) Sócrates deveriam estar todos na jaula e açoitados.

  183. Mata-mata era legal pra caramba…se fossem em pontos corridos os campeonatos de 98 e 99 seriam mesmo nosso, pois se não estiver enganado fomos o primeiro nos dois anos…porém salve 90 que classificamos em oitavo e o resto é a raça eo amor.

  184. utente anonimo maggio 5, 2011 suggerirò di fare la mozione di fare pagare il biglietto per assistere al consiglio comunale. . .troppo divertente!E' fantastico assistere (e questo da tempo) all' approvazione di mozioni con finte opposizioni (da una parte o dall' altra) dato che comunque i numeri vengono garantiti . . ieri sera uno spettacolo pirotecnico.. . . e in più totalmente gratuito

  185. Chrzest jest podstawÄ… i żeby być chrzeÅ›cijaninem trzeba speÅ‚nić szereg innych warunków, które też nie gwarantujÄ…, że nim siÄ™  jest. Trzeba jeszcze wierzyć i speÅ‚niać stosować siÄ™ do wymogów wiary. Z tego samego powodu, rodzice posyÅ‚ajÄ… dzieci na dodatkowe zajÄ™cia sportowe czy lekcje muzyki albo jÄ™zyka obcego, nie pytajÄ…c ich o zdanie.

  186. Ima jedna bitno gora stvar od neažurnog pisanja a to je nasilno pisanje… Å¡to najčešće znači i pisanje gluposti, ali samo da bi se pisalo.I u bloganju, kao u životu moj je izbor kvalitet u odnosu na kvantitet!Super si Ogi

  187. Ida från Dalarna skriver:Mycket fina julkort, känns lyxiga! Mina två grabbar, ett och två år gamla, skulle pryda dessa väldigt bra och jag skulle vara mycket stolt att få skicka dessa till släkt och vänner. Håller tummarna!Kram och tack för en inspirerande blogg!

  188. Los que lastran a un país son la cantidad de políticos inútiles y/o banqueros corruptos que tiene y aquí estamos muy bien surtidos, encima les sale gratis si los pillan, con eso hay que acabar tomando medidas enérgicas y sentándolos en el banquillo, que devuelvan el dinero y que paguen en la cárcel.Una de las cosas positivas de lo que está sucediendo es que se está produciendo una cierta reconciliación de los ciudadanos con los empleados públicos y eso está genial.Esta entrada es muy oportuna, gracias Rafa.Salud

  189. Ahaa, its good discussion about this article at this place at this blog, I have read all that, so at this time
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  190. Hi Sophie, I recently fell asleep on e bus while using my laptop and it smashed on the ground while e bus turned.I made a trip to Apple shop and was told it cost me $1500 for my macbook pro (fml fml). could you please be so sweet to ask where did your friend sister did her laptop at Sim Lim?

  191. verdorrie… laat je niet ondersneeuwen Jezz…grijp hem bij de strot (figuurlijk natuurlijk) en laat zien wat je kunt…overwin je angst en de lef die je werkelijk hébt moet je nu tonen… zet je paarden in…. ik denk dat ik nu maar gauw moet komen ) jegliefs

  192. dit :I have got one recommendation for your web page. It appears like right now there are a few cascading stylesheet problems when opening a selection of web pages within google chrome and internet explorer. It is running alright in internet explorer. Possibly you can double check this.

  193. Hey me encantaron tu relato y tus fotografías. Te fuiste a un lugar no muy típico para hacer turismo ¿no? Hay muchas formas de viajar y la que tú has hecho a ese país es hermosa.Saludos.

  194. haii cik izara aishah.. anda dh mmg hebat walaupun tanpa neelofa dlm industri ini.. harap-harap anda pula menang anugerah next year nanti.. kami akan undi anda dan anda tak perlu la undi diri sendiri.. jgn nanti anda menang anda dituduh beli paper satu LRT pula la yea nanti.. love u izara!Well-loved.

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  196. hanife diyor ki:Öncelikle sizlere tşk etmek istiyorum bizim gibi çalışıp hem kendilerine hemde ev ekonomilerine katkıda bulunmak isteyen bayanlara yardımcı oldugunuz için Allah razı olsun.Ben de ev hanımıyım ve evimde nikah şekeri yapmak istiyorum izmir torbalıda ikamet ediyorum ve bu işi yapma arzusundayım dürüst bir şekilde ilgi ve alakanız için şimdiden tşk ederim.

  197. Yo no sé qué estaría pensando esta señora cuando se hizo esta foto. ¿No saben distinguir lo apropiado entre un perfil privado y otro institucional? Aunque sea carnaval, si te entrevistan como presidenta no puedes posar así, pienso yo. Si vas a una fiesta es otra cosa.

  198. 512871 870369This design is incredible! You definitely know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really loved what you had to say, and more than that, how you presented it. Too cool! 166935

  199. Ceci est un exemple d’un commentaire dans WordPress. Vous pouvez le modifier pour mettre ici des informations vous concernant ou concernant votre site afin que vos lecteurs en sachent un peu plus sur vous. Vous pouvez créer autant de commentaires que vous voulez, et gérer l’intégralité de votre contenu dans WordPress.

  200. Razi eres un crack :D.Tienes la edad de mi hermano mayor y eres como el hermano mayor friki que nunca llegué a tener (empezó con los mangas y el tema otaku pero se lo dejó)… :(Eres un ejemplo de superación, toda mi enhorabuena, sigue adelante con tus proyectos y espero ir pronto a una de tus guías por Japón! 🙂

  201. Ruth is a dazzling woman. It is amazing for a 100 year old woman to have a very flexible and energetic body like this. She has proven that age is not an impediment to have strong bones and a flexible body as long as there is discipline, determination, and dedication. With a positive mental attitude, even a hundred year old woman like Ruth can gracefully do Pilates.

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  203. Στις εκλογές θα πάρεις μια λίστα με ονόματα στο ψηφοδέλτιο της Β΄Αθηνών της ΝΔ.Στα 30 τόσα ονόματα θα υπάρχει και του Πάνου.Η επιλογή δική σου.

  204. Actually there is no evidence of that.It comes down to this; if you don’t like your job…quit!! Believe it or not you have choices in life…make the right ones. If you make a bad one, like only applying yourself enough in life that Walmart is the best you can hope for don’t expect others to feel sorry for you.

  205. One thing I know for certain: the ratio between my total personal debt and my annual income is a very real gauge of my pesonal financial health. I’m definitely in the apples and oranges camp then!