Four Things To Do Before

Applying for a Mortgage

Dear Ali, 

If you're thinking of applying for a mortgage soon, there are a few basic tips to keep in mind. 

Gather Required Documents 

When you apply for a mortgage, you'll be required to submit a number of documents, including pay stubs, tax returns, and bank account statements. Your loan officer will help you determine exactly what you need to include!

Understand the Current Market 

Since the housing market is hyper-local, it's important to work with an experienced real estate professional. If you ever need a recommendation, I would be happy to put you in contact with a local realtor that I trust. 

Pay Off Debts

An easy way to increase the amount that you qualify for is to pay off as much outstanding debt as you can. 

Save for Your Down Payment

A larger down payment can earn you a lower mortgage rate. But, if you can only afford a smaller down payment amount, there are options available for you!

Applying for a mortgage can feel complicated, but it doesn't need to be! Give me a call anytime if you're interested in a new mortgage or refinancing. I would love to help guide you through every step of the process.

Sincerely, 

Anna Smith