Três Passos Antes de Solicitar uma Hipoteca

Possuir a sua própria casa é uma grande parte do sonho americano. Quando você está pronto para dar o mergulho, há alguns passos no início que podem determinar onde você pode acabar.

Pump Up Your Credit Score

Before you apply for anything you need to make sure you have a thorough understanding of what's on your credit report. Take a look at any outstanding accounts, your score, missed payments and credit utilization ratio. You can request your credit report every year on freecreditreport.com.

Even if you have an average score it is worth working with someone to get it in tiptop shape before you begin the mortgage process. A professional can help you sure up your debts and make your credit report look more desirable to lenders. Don't waste your time jumping right into the process without making sure you have done all you can to increase your score.

Get Pre-Approved

Once you are satisfied your credit is the best it can be then go ahead and get pre-approved for a mortgage. This will allow you to see how much lenders are willing to let you borrow. 

This helps jump start your application even if you don't stay with the same lender. This will also allow you to manage expectations. Now you can have a number on paper that can help you find a home that is realistically in your price range and gives you all that you are looking for.

Research Mortgages and Lenders

Your next step is to really look at the kinds of mortgages available and the lenders that offer them. Do you need a conventional loan? How about a fixed loan?

This is where a mortgage broker can really help you out. A broker can explain all of the ins and outs of different loans and help match you with a lender that is right for you and your lifestyle.

Once you have done your homework all that's left is applying (and crossing your fingers).

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