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Published on Saturday, Aug 16, 2008
Qualifying for a mortgage is not as easy as it used to be. From http://www.peoplejam.com, an online self-help community, here are tips on getting a mortgage:
• Check your credit reports. The three main reporting agencies are Equifax, Experian and TransUnion. Make sure that all the information is correct. Report any discrepancies immediately.
• Boost your FICO score. Most mortgage lenders use the FICO score to determine whether a borrower will default. The score measures your ability to repay a loan, and there are steps you can take to improve it. Pay down your debt and pay all your credit accounts on time.
• Put away a 5 percent to 10 percent down payment. This will show that you are serious about becoming a homeowner. Most lenders feel more comfortable granting a mortgage with a larger down payment.
• Get realistic about your budget. A mortgage payment should be about 25 percent of your monthly household income.
Qualifying for a mortgage is not as easy as it used to be. From http://www.peoplejam.com, an online self-help community, here are tips on getting a mortgage:
Get the full article here.
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