Evita questi 6 errori dopo aver ottenuto la pre-approvazione per un mutuo

When you?re preparing to buy a home, one of the first things you should do is to get pre-approvato per un mutuo. This signals to a seller that you?re a serious buyer that?s more likely to make it to the closing table. But getting pre-approved is just the first step toward homeownership, and there are problems that can potentially happen to derail your mortgage application before you close. These are the mistakes you want to avoid after getting pre-approved for a mortgage.

Pagamenti mancanti

Missing payments on other bills is a big no-no when you?re applying for a mortgage. Lenders will be looking at your storia del credito for missed payments to determine how much of a risk you are. Those missed payments can affect your interest rate or worse – make you ineligible for the loan altogether.

Fare grandi acquisti

It?s easy to get caught up in the excitement of buying a new home. We know you?re fantasizing about how you?re going to decorate and making lists of all the things you?ll need. But avoid making any large purchases before you close, especially on credit. This affects your rapporto debito / reddito, another key factor in determining whether or not you?ll qualify for a loan.

Apertura o chiusura di linee di credito

Sulla stessa falsariga di evitare acquisti di grandi dimensioni, dovresti anche evitare la tentazione di ottenere un'altra carta di credito o un prestito auto. Il tuo punteggio di credito can take a hit. You also shouldn?t close any lines of credit, even if you?ve paid them off. Lenders want to know if you make on-time payments. Closing accounts will make it more difficult for them to determine if you can do that.

Cambiare conti bancari o lavori

Your lender wants to be able to track where your money is coming from. Changing bank accounts in the middle of closing on your mortgage can make it that much harder for them. In addition, don?t change jobs if you don?t have to. Your lender wants to know that you can afford your mortgage payments. Any changes to your income or employment history can be a big red flag.

Depositare ingenti somme di denaro

Come abbiamo detto sopra, il tuo prestatore deve sapere da dove provengono i tuoi soldi. Un improvviso deposito di denaro è un grosso errore. Non avranno idea da dove provengano quei soldi e potrebbero presumere che tu abbia preso più credito. Se devi assolutamente depositare contanti, parla prima con il tuo prestatore in modo da poterlo documentare correttamente.

Co-firma di un prestito

Helping out a loved one in need is a good feeling. But it can also sink your mortgage application. Don?t co-sign for any loans while you?re waiting to close. Your lender knows you?ll be on the hook for those payments should the original borrower default.

Contatta gli esperti di Agent inc.

Sei pronto a trasformare il tuo sogno di possedere una casa in realtà? Quindi contatta gli esperti a Agent inc. al 949-791-8160 o [email protected] to get started. Let?s open your world to new possibilities!