You’ve been working so hard for so many years and lately you’ve been thinking of a reward to yourself. You want to see the fruit of your labor. You want to buy something that you can be proud of. It’s the almost the end of the month, time to settle your bills too. And, you realized you want a house.
Payday comes and you check your budget and savings. Then you went back to the site you bookmarked in your desktop to look at the house you want. You don’t have enough money for the down payment. You then decided to apply for a home loan.
It’s your first time in this kind of thing so you really have no idea how to do it. And with the kind of economic weather that the world is facing, of course you don’t want to make the wrong decision. That’s why here are some simple ways to guide you in getting a home loan…
1. Assess your Budget
For this step, you should be aware of your monthly budget. To make it easier, get a pen and a paper. List down all your expenses. Categorize them into fixed and non-fixed expenses. Identify your savings and your extra money. There, you’ll be able to discover how much sure money you have for the loan.
2. Look for Lenders
After assessing your budget, it’s time for you to find lenders. Ask your friends if they know any. Get a referral from your real estate agent. Or, search the web. After finding a few, get the best three.
3. Get Quotes and Compare
Contact the best three lenders you’ve chosen. Get all the information you want. Request for quotes and then compare. Consider these four factors in comparing quotes: costs, fees, terms and interest rates. Consult an online mortgage calculator for help. Also, decide already what kind of loan you will avail. After that, you can now contact the lender you chose.
4. Prepare the Requirements
Ask the lender what you need for your home loan then do the paper work. Make sure that you have complete requirements. Then, fill-up the application for and submit. Now all you have to do is wait for the loan to be approved.
See, getting a home loan is not that hard. Just be sure that you know your budget and you have a god credit report. That way, you’ll get approved easily.
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