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SpinDistribute.com Article Directory

The following article was published in our article directory on December 16, 2013.
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Qualify for a Mortgage

Article Category: Real Estate

Author Name: Dan Rawitch

If you want to purchase your own house but you're a bit short on money, then you might want to go to your trusted bank to apply for a mortgage which will help you pay for your house. Before that, you must first qualify for a mortgage for them to approve your request. There are many factors that may affect how they determine if you qualify for a mortgage.

• Keep track and fix your credit history
- One of the first things that lenders will look at to determine if you qualify for a mortgage is your credit score. They will assess if you can keep paying for the mortgage in full every month based on your credit score. Most lenders will offer high interest rates if they see that your credit score is lower than their expected requirements. This is for them to be able to even out the risk of giving you a mortgage. If your credit score is higher than what they expect, you would probably get the best possible rates or you may even be able to negotiate better terms.

• Acquire a job that pays more
- Another thing that they will look at to determine if you qualify for a mortgage is your income. If they say that you're income isn't high enough meet their requirements, then ask how much more you will need to qualify. Transferring to another line of work is a big no-no however because lenders would like to see a stable employment history. This determines if your job can pay the mortgage steadily. The best choice would be to find another job still in your line of work. Aim for a promotion or switch to another company that will pay higher amounts of salary to boost your income and for you to qualify for a mortgage.

• Save, save, save
- If you want a lower interest rate, lenders will give you the option of a larger down payment. The higher your down payment, the lower the interest rate. So save a lot of money before applying for a mortgage.

• Don't ask for a mortgage that is higher than the house's value
- Most lenders will not give more money than what the house is worth. The house that you will be buying will get used as collateral, if you can't pay the mortgage then your house will be repossessed by them so they won't let you qualify for a mortgage if the house's value is less than your mortgage.

• Pay all your debts in time
- They will also determine if your debts will be a hindrance when paying for the mortgage. The more debts you have, the bigger the chunk of income that will not be available for paying the mortgage. So keep your debts as low as possible for them to let you qualify for a mortgage.

It's really a hard task to apply for a loan. Lenders require certain financial standards that you should meet or them to provide you with the loan. If you want to qualify for a mortgage, then take note of the tips mentioned above.

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