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The following article was published in our article directory on December 18, 2013.
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Article Category: Real Estate
Author Name: Dan Rawitch
Owning a home is every individual's dream but in today's difficult real estate market, the American dream has become out of reach for most people. There are two reasons behind this: strict guidelines of lending companies and bankruptcy. Another obvious reason is the steady decline in the real estate market. While homes are more affordable, lenders of home loans are becoming really careful in lending money to borrowers.
Because of this, more and more homebuyers are interested in learning about simple steps on how to get a home loan successfully. Anyone who plans to apply for a loan must bear in mind that its approval cannot happen overnight.
There is a higher probability of finding the perfect direct lender if the following steps are taken:
The initial step to be qualified for home loans is to clean up the credit. A homebuyer should obtain a copy of both credit reports and credit scores. Almost all lending companies as well as banks look at the credit scores of all applicants before anyone is considered for a loan.
According to the credit score rating system, the most excellent credit score is 850 while the worst score is 300. A homebuyer's credit score will help banks and other lenders in determining interest rates, the required amount for down payment and the type of mortgage that the applicant is qualified for. What if the person asking how to get a home loan has a low credit score? Well, the best thing to do is to browse through the credit report and spot outstanding debts and then pay these debts right away.
There is also a need for a homebuyer to have both a savings account and a checking account. Owning these accounts shows lenders of home loans that the applicant is already mature in terms of finances. Through these accounts, the lenders will also find out whether or not the owner is making regular efforts to increase his banks savings.
Some housing experts have mentioned that having these bank accounts is not sufficient to be successful on getting home loans. A loan applicant must also be able to shell out enough money for down payment which is usually ten percent of the total purchase price. Therefore, anyone who wants to get a home loan approved should start saving for down payment to show lenders that he is sincere about the purchase.
One more important factor that anyone asking how to get a home loan must ensure is work stability. A lender would usually require a loan applicant to have been employed in the same company for at least six months. Believe it or not, the longer a homebuyer has been working with the same employer, the higher the probability of getting a loan application approved.
To successfully get home loans, a homebuyer should take into consideration several factors. Some of these are monthly income, monthly expenses, other loans such as car and student loans as well credit card debts and balances. This is basically because all highly regarded lending institutions will definitely take these things into account in determining whether the borrower can responsibly manage his finances.
Keywords: Buy a home, first time homebuyer,mortgage,mortgages,learn about mortgages,mortgage rates,Los Angeles mortgage rates,Facts about mortgages,qualify for a mortgage,do I qualify for a mortgage,how to get a home loan,home loans
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