预先抵押后，避免这6个错误

When you?re preparing to buy a home, one of the first things you should do is to get 预先批准抵押. 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.

付款遗失

Missing payments on other bills is a big no-no when you?re applying for a mortgage. Lenders will be looking at your 信用记录 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.

大量购买

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 债务收入比, another key factor in determining whether or not you?ll qualify for a loan.

开设或关闭信用额度

与避免购买大笔钱一样，您也应该避免获得另一张信用卡或汽车贷款的诱惑。你的 信用评分 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.

更改银行帐户或工作

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.

存入大量现金

如上所述，您的贷方需要知道您的钱从何而来。突然存入现金是一个大错误。他们不知道这笔钱是从哪里来的，并且可能会假设您获得了更多的信誉。如果您绝对必须存入现金，那么请先与您的贷方联系，以便您可以妥善记录。

共同签署贷款

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.

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