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6 Things to Know Before Applying For a Home Loan
Are you thinking about applying for a home loan? The entire process can be very exciting, but it's also a very big decision. A mortgage is not something you should just jump into without proper long-term consideration and planning. Here's a look at seven things you need to think about before taking on a mortgage.
 
1. Timely Payments
This tip is really two-fold. First and foremost, you need to have the means to make your mortgage payments on time going forward. And, before you even consider applying for a mortgage, you need to already be consistently paying your current debt obligations on time each month. If you’re currently in the habit of paying late or waiting until the last minute to pay bills, you need to have a look at your current financial picture. If you're already struggling to make end's meet, a mortgage isn’t the right option for you.
On the other hand, if you’re putting off paying the bills for some other reason, you need to get in the habit of paying on time to make sure your credit looks pristine for a lender. Setup auto-pay and make sure you have at least 6 months worth of on-time payment history before heading ... more

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