You’ve Heard it Before .. The Only Thing You Have to Fear, is Fear Itself. It’s True With Mortgages Too!
You've Heard it Before .. The Only Thing You Have to Fear, is Fear Itself. It's True With Mortgages Too!
Right now, you can't escape the headlines and deluge of information regarding mortgage interest rates. The rates themselves are big news ... let alone all the information and controversy swirling about the state of home buying, home buyers, home owners, home lenders, and home builders.
The other day, I read an article online that related the opinion that the extremely low rates that we are currently experiencing are going to waste. The jist of the article was that because of fear, the fallen prices of homes, unemployment, and other various components ... Americans are just not capable or willing to take advantage of these current low rates.
That is a terrible shame ... as being able to take advantage of these rates could turn lives around.
I can understand the fear being felt ... as a substantial portion of we Americans are all in the same boat. Our country's finances have touched ours. And I can understand that fear even more, if you personally have taken a financial hit by losing a job, benefits, financial loss, housing loss, or more. Those are cold hard facts ... and unfortunately, there ARE many that cannot be helped because of a variety of reasons. To say otherwise as a mortgage lender, would be a lie.
But for those lucky enough to NOT have suffered these losses - or - for those that have not sought advice or guidance, I ask ... what exactly is it that prevents you from doing so?
It is a fact ... mortgage lenders cannot charge you for simply asking them questions or seeking their advice. So, why not do so?
Whether you think you are currently capable - or - whether you are currently contemplating buying or not should NOT be the deciding factor in seeking a mortgage lender's advice or guidance right now. Especially with mortgage lending being as challenging as it currently is, the process of buying or refinancing should be started way ahead of time. This is definitely so for those that have never purchased a home before or borrowed money. The process of knowing, or pro-actively improving your credit should be taken right away.
Also, the knowledge and protection of your credit should be accomplished at least once per year. A reputable mortgage lending professional can do that for you. The establishment of good credit, whether it be for the first time or correcting past actions, takes time. Delaying this step until the time when actually entering into a purchase or refinance can be very stressful and costly in time and money.
Contacting an experienced mortgage professional with credit expertise and background way in advance of any actual lending application makes good sense ... and good cents. Again, taking this path to good strong credit and preparing for a future purchase or loan is free. (Keep in mind, the actual credit report may not be free.) And also important, you are establishing a healthy working relationship that will benefit you down the road when you DO want to take action towards a purchase or refinance.
If you are in need of advice, counsel, assistance, guidance, and hard information ... contact me now. Do not wait. Do not hesitate or be fearful. I want you to contact me with your needs and questions. It is the wise action for you to take.
Together we can explore your financial realities, organize the most beneficial course for your credit and finances, establish a plan to meet your financial needs and goals, monitor your progress, and keep you steadily improving and moving towards your successful end objective. As your mortgage lender I will work with and support you every step of the way.
Credit and lending decisions and their resulting actions need not be hard or scarey. Working with a professional mortgage lender that offers the best in advice and expertise ... and can deliver you to a successful financial and lending outcome, is extremely important. Contact me today and let's get started ...
Click here to go to my website .... or contact me for the assistance and information you need now.
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