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Even after reading only a few of my mortgage posts, you'll probably pick-up on this recurring theme ... the importance of being prepared for your mortgage processing.
I feel strongly that whether you're in the infant stage of your pursuit, further along and actively seeking a property and financing for that home, or heading to the Closing itself, your success is dependent to an unbelievably large degree on how well prepared you are.
But I have to admit, at times I fear that by emphasizing the need for preparation as strongly as I do ... I risk scaring you some.
I've mentioned in prior posts, that the number of pieces of info I need as your Mortgage Lender to start Pre-Qualification has grown. I worry that by merely mentioning this fact, that Pre-Qualification might begin to sound somewhat overwhelming. And obviously, that's not the reaction I'm seeking.
So I thought I'd try to clarify much of what you, as a potential borrower, can expect when you and I speak about borrowing money for a home purchase ... or a refinance. I'm hoping having this info and insight will help you see that the mortgage process isn't as daunting or scarey as it sounds. I'm also hoping that you will see that YOU can determine much of your own destiny.
In my last post, "Why don't you produce Rate Sheets?", I quoted the number of pieces of info needed for Pre-Qualification at around 25+. That seems to be about an average number of questions I'll ask during the Pre-Qualification stage of your financing. And no doubt about it, that number can sound pretty time-consuming or scarey.
But after seeing the real nature of the info needed and questions I ask at this point of your process, it shouldn't seem quite so bad. Take a look at what some of those questions are ...
Employed how long?
Salary? - or - How are you paid?
Rent or Own Current Home?
Amount of that Rent/Current Payment?
Social Security Number(s)
See? Told you it isn't as bad as it might seem! ALL very basic and easily answered.
But that being said, I will continue to point out that even simple questions like those listed above, take time to ask and answer. Even basic information and required financial documents take time to round-up. Time, Effort, Work is required on your, the mortgage applicant's, part. And the need for further info ... producing other documentation ... will still exist as we get deeper into your mortgage processing.
But being organized ... prepared ... prior to our first talking, can be unbelievably helpful. It can make our initial conversation flow and move much more quickly. And it can cut down on the number of conversations or communications we need to have in the future.
There is no way to avoid having to provide the info that is required for Pre-Qualification, should you hope to obtain financing. But the preparation you perform beforehand can make it easier and quicker to get through.
Both of these handy documents will help you be much better prepared for your mortgage financing ... and also increase the chances of a successful outcome ... a closed transaction and home to call your own.
Being pre-qualified for your mortgage financing doesn't have to be scarey. Eliminate the fear factor. Be prepared...
* Whether buying a home or refinancing in Will County, Chicagoland, or elsewhere across our nation, work with a Mortgage Lender that can eliminate the "scarey" from your mortgage process and lead you to your successful Closing. Contact me today. I'll put my 35+ years of mortgage experience and expertise to work on your behalf.
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.