Mortgage Tips for Real-Estate Consumers!
Helpful tips before you start looking for your dream home!
Shopping for a mortgage is very important to the home-buying process and can be very intimidating, but if you take steps and follow some clear-cut guidelines you’ll be better prepared to choose a great lender & find the best mortgage for your needs.
Affordability is something that doesn’t get talked about much, but it’s critical to have a handle on your finances. You have to know exactly what you are getting yourself into, allocating your monthly income and understanding where your money is being spent is critical. There are many budget calculators that can assist you plug in all the right numbers, you want to be sure you can afford to buy the house you want, this helps you see what you can afford and will create a proper budget.
Mortgage Tips for Real-Estate Consumers!
What’s the risk factor: Your mortgage is priced depending on your credit. That’s right, the amount of money you want to borrow and the risk the mortgage lender takes on directly correlates, you must understand that the pricing fees & rates of your loan are determined by your FICO score.
Before you get a mortgage, you must understand how to compare mortgage rates. You will need to understand the difference between Annual Percentage Rate & Annual Percentage Yield. When it’s time to get a mortgage you must compare apples to apples. The APY includes fees charged by the lender. There’s a perfect description describing the difference between the APR & APY.
Before you make a big decision take the time to ask many questions, you need understand exactly what it takes and how much you truly can afford when you are buying a home. Mortgage Tips for Real-Estate Consumers!
Think about what’s right and then do it; I always say; “It’s harder to do the wrong thing verses doing the right thing”
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