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5 Mortgage Mistakes

Before applying for a mortgage, get your credit in shape.  Any of these five moves could sabotage your mortgage approval:

 

1. Ignoring your credit reports

 

The key to getting the best mortgage rate is good credit.  A 2004 study by the U.S. PIRG, the federation of state Public Interest Research Groups, found that one in four adults have serious errors on their credit reports.  Not small errors either.  The Fair Credit Reporting Act requires credit-reporting agencies to fix these mistakes, but it's up to you to find the problems and to ask for the errors to be corrected.

 

2. Closing credit card accounts

 

While paying down your credit card balances will improve your financial picture, this is not the time to close credit accounts because reducing the amount of credit available to you can actually lower your credit score.  "Don't assume you should just get rid of it," says Pat Vredevoogd Combs, a practicing residential broker in Grand Rapids, Mich., and president of the National Association of Realtors.

 

3. Getting rid of HELOC

 

If you already own a home and have an existing home equity line of credit, or HELOC, Combs recommends that you not get rid of it in preparation for a new home purchase. "I think you ought to leave it alone.  Sometimes buyers are going to need it; they can use it as an easy bridge loan (to cover the down payment temporarily until you sell the old home) so they don't have to go through the trouble of getting one." 

 

4. Getting in over your head

 

There is a difference between the maximum payment a borrower can qualify for (which can sometimes be surprisingly high) and the amount you can comfortably afford, says Combs.  "Each person has to know the difference in his own mind," she says.  "If you're just getting by with your current rent payment, and the lender says you can qualify for more, give it some thought."

 

5. Switching jobs

 

Lenders like to see a steady history of employment and frown on job changes while your application is pending, unless the new job is in the same field and at the same or greater pay.  If you do take a new job, experts suggest getting a letter stating you've completed the probation period for a new job to allay lender concerns.

 

Are you familiar with any of these mistakes? Share your experiences with us by leaving your comment below.

 

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Credit Score Scheme Raises Fraud Worries

 

When your credit scores don't qualify you for the home mortgage you want, where do you turn?  That's an especially timely question now, as banks and mortgage companies tighten underwriting standards for applicants with less than perfect credit.

 

Federal and state authorities fear that some borrowers are turning to a fast-growing business on the Internet: Companies that claim to boost scores by transplanting the credit DNA of people with excellent payment histories into the files of people with subpar histories — ostensibly without breaking any law.

 

Read more about these credit score schemes here:

 

Then leave us your comment about the article. We would love to hear from you!

 

 

Selling Your House

 

When you put your house on the market, in order to attract the potential buyers, you spend days cleaning it; painting and even planting flowers in the garden.  What sellers tend to forget about is that houses for sale have to be de-personalized so that buyers can easily imagine themselves living there.

 

The process can be really painful, especially when sellers still live in the house when it is already on the market.

 

Houses are usually full of memories and filled with things that help us remember. Pictures of children on walls, drawings firmly attached to a fridge or any religious exhibitions need to be taken away or at least put in the place where they would be hard to see.  Shelves should be emptied of any travel souvenirs and any toys left by our children on the floor should be taken out of sight.

 

It can be really hard, especially for somebody who has raised his family there.  But a seller needs to understand that once he decides to sell his house, it is not really his home anymore.   We need to provide a lot of free space in our house for our potential buyer so he can easily visualize himself living in it surrounded by things dear to his heart.

 

Have you sold a home before?  If so, please leave your thoughts for other potential home sellers on "de-personalizing a home."

 

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Different Types of Home Inspections

 

Home inspections tend to confuse homebuyers, especially if buying a house is a first-time experience.  Below are different types of home inspections you may encounter:

 

Primary Home Inspection

This is the most important thing to do when buying a house.  It is unbelievable how many homebuyers overlook this when purchasing a property.  If you want to avoid homebuyer’s remorse you need to have your future house thoroughly inspected.

 
Engineer's Reports

Many homebuyers hire an engineer to do a detailed inspection of a property (involves the inspection of the electrical system, plumbing, heating etc.) Sometimes this inspection is part of the primary inspection (above).

 
Termite Inspection

As the name implies, the purpose of the inspection is to check for the presence of termites or other wood-destroying insects in a house. 

 
Well Water Inspections

Depending on the location, some properties may involve a well water inspection to check whether the water in the area is suitable for drinking.

 
Appraisal / Appraiser's Inspection

This inspection is conducted by the homebuyer’s lender in order to obtain an appraisal on the value of the home. The lender wants to be certain there are no problems with the house with respect to provisions in the type of mortgage sought by the homebuyer.

 
Final Walk-Through Inspection

This is a final inspection of the property conducted by the buyer and the real estate agent.  The final walk-through normally takes place a day or two before closing / settlement.  The purpose of this inspection is to ensure that any repairs agreed upon in advance have been made, and that no other issues have arisen.

 
If you have any questions concerning home inspections or/and home buying process - contact us or leave us a comment below.

 

 

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