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First Time Home Buyer Loan Home Buying Advice For First Timers
Posted by nick_niesen on October 29th cheap jordan 1 kids , 2010


Purchasing your first home is an exciting and scary time. For the most part, new homebuyers are unfamiliar with the home buying process. Before accepting a mortgage loan, it is important to educate yourself on various loan programs. Furthermore, first time home buyers should be aware of factors that improve and decrease their chances of getting a good loan package.


How Much Can You Afford to Spend?


The biggest mistake that some homebuyers make is purchasing a home they cannot afford. Many assume that since their mortgage application was approved cheap jordan 1 womens , they can meet the expenses of homeownership. On the contrary, some lenders regularly approve questionable loans.


Obtaining a pricier home may sound appealing; however, the risk of foreclosure is higher. Aside from affording your monthly mortgage payment, you must have the funds for utilities and unexpected expenses that arise.


Get Pre-Qualified for a Home Loan


Getting pre-qualified for a mortgage before beginning your search will speed up the home buying process. A pre-qualification provides an idea of an affordable mortgage amount. Thus cheap jordan 1 mens , you avoid touring homes and neighborhoods outside your budget. A pre-qualification letter from a lender does not guarantee a loan. The loan amount is contingent on income, employment, and credit verification.


Fix Your Credit before Applying


Although it is very possible to get approved for a first time home loan with poor credit, a good credit rating will open the doors for low rates and better financing options. Improving your credit is a slow process. To begin cheap nike air jordan 1 , strive to pay all creditors on time and avoid skipping payments. A key to increasing credit scores is maintaining a good credit standing. Secondly, reduce your debts. Maintain credit cards at half the maximum limit. If possible, payoff balances monthly.


Select a Good First Time Homebuyer Loan Package


Working with a mortgage broker is the best way to locate excellent first time home buying loans. Many first time homebuyers do not have extra cash for closing or down payments. A mortgage broker has access to several lenders that are willing to offer assistance for down payments and closing fees. Furthermore, if you have bad credit cheap air jordan 1 clearance , a broker can match you with a bad credit or sub prime mortgage lender. The advantage of working with brokers is that you receive multiple offers. After receiving the loan application, your broker will send you up to four offers from prospective lenders

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