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      Qualify For A Mortgage


      Before you start looking for a home, it’s a good idea to get pre-approved for your mortgage. Meet with a reputable mortgage professional and ask them to determine the maximum amount you qualify for based on your income and current financial obligations. This pre-qualifying meeting is free. Remember to bring your tax returns, salary stubs, and other financial data. You’ll want to find out how much mortgage debt you can carry under the most commonly available mortgage options. I can recommend a mortgage professional who would be happy to go through all of this with you. It is easier to get your mortgage approved if you have a large down payment. The underwriting guidelines are less strict.

      Remember that you are not obligated to use the lender who pre-qualifies you. When you’re ready to borrow, compare the rates and mortgage options available from several lenders. If you are comfortable with the lender you choose, it is a good idea to make a full mortgage application and start the loan process. This will put you in a much stronger position when it comes time to putting in an offer on your next home.


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