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Each month AR runs numerous contests as a way for our members to engage in activities
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6 things you don’t want to do after you apply for a mortgage
Has anyone heard the saying “common sense is NOT common practice?”During the time when you are buying your home, this is definitely when some people tend to do some non-commonsensical things!
Here are a few things that could be deal breakers for buying a home:
Don’t make large purchases.When you are buying a home you are going to be bringing in new debt.However, after applying for a home don’t go out and buy a new car or furniture, this could raise you debt ratio and make it riskier for the loan company to lend to you.Sometimes after doing this, the previously qualified buyer is no longer able to qualify.
Do Not Change your bank accounts.If you have had an account for a while it is easier foe lenders to track and source your assets.Before you even think to transfer money from one account to the other you should talk with you loan officer.
Do not deposit cash into you bank account.Cash is not very traceable and lenders need to be able to source your income.Small deposits, which can be explained, are fine, but getting a large lump sum as a gift is not.Discuss the right way of tracking your assets with your loan officer.
Don’t co-sign other loans for anyone.Once you have co-signed on a loan you are now obligated to that loan.With the obligation comes a higher ratio.Lenders will be counting the payment against you even if you tell them you won’t be.
Don’t close any credit accounts.Many clients believe that by closing out credit accounts makes them less risky and that they will have a better chance of being approved for the loan. This is INCORRECT.The majority of your score is the length and depth of your credit history.Closing these accounts can have a negative impact on your credit score.
Do not apply for new credit accounts.
Anytime you have your credit run, whether its for a new car or a credit card, this will effect your FICO score.Your interest rate is based on your credit score. The lower the score the higher the rate or you may not be eligible for the loan.
When deciding to apply for a mortgage make sure you talk with your loan officer before you decide to do anything else financially.Any change in income, assets, or credit will need to be reviewed and all decisions will need to be made in a way to keep your application in the best light.
San Francisco Real Estate Professionals 1641 Laurel Street San Carlos, CA 94070 Phone: (650) 434-2289
Sue Ellett, Broker-Associate USAA MoversAdvantage® Preferred Agent 2012 Texas Monthly 5-Star Realtor Award Coldwell Banker United REALTORS® Paragon Property Group Team www.PPGTx.com 866-693-7741
Austin,Lake Travis, Lake LBJ, Marble Falls, Horseshoe Bay and the Highland Lakes - The Central Texas Hill Country is an amazing place to live, work, play and invest. Get more information about news, events, real estate market, restaurants and more
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.