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如何合资格购买房屋-按揭指引

•2021年11月15日

 

当你在考虑买房的时候, the first step you should take before looking for your dream house is getting pre-approved for a mortgage. Find out if you qualify for a 贷款, and for what type of 贷款 and mortgage rate you qualify for.


贷方正在检查的变量

A lender will review all your financial data to see if you qualify to buy a home. 贷方正在检查的变量 include your income, debt, credit, and savings.  其中最重要的是你的收入, and determining the affordable monthly mortgage payment and debt. 贷款机构还会考虑雇佣的时间长短, 如果自由职业者, 稳定和确立的历史.  Self Employed buyers may need to provide tax returns to verify net income after deductions.


信用评分如何影响抵押贷款利率

你的信用评分会影响你的抵押贷款利率. Most lenders use a credit score designed by Fair Isaac Corporation (FICO).  作为一个消费者,  you can monitor and access your credit report and ensure that your credit score is managed as strong as possible.


分数范围从300 - 850. A score below 620 is considered sub-prime and indicates a higher risk to lenders resulting in higher rates and fewer choices of 贷款s, 620到659被认为是近质数,  但仍可能被视为风险较高的候选人.  660-719 is Prime, and 720 or above is Super-Prime, with the best rates available.  然而, buyers looking to purchase their primary residence have options to qualify for an FHA 贷款 with credit scores as low as 500 and low-interest rates.


To qualify for the best mortgage rates and to have more 贷款 choices you should at least have a score of 720.


The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to one free credit report from all three major credit reporting bureaus – TransUnion, Equifax, and Experian – for every consumer every 12 months (visit annualcreditreport.com 订购你的免费报告). Make sure that your credit history is accurate and request the reports from each company and check if there are any err口服补液盐.    There are also many great credit monitoring subscriptions available that give you data and guidance to help you monitor and improve your credit score. 

 

贷方使用的比率

贷方使用一些计算方法.



Mortgage debt to income is the ratio a lender uses to calculate if you qualify for a mortgage. Most lenders prefer a debt-to-income ratio lower than 36%.


如何提前准备得到批准?

  1. Since the most important factor is income, you will need a verifiable source of income.
  2. 整理好你的财务状况. Pay your debt on time, which includes all your 贷款s, leases, and credit cards. Considering paying down credit cards where you are carrying balances. 
  3. Check your credit report for err口服补液盐 and monitor your credit score.


如何找到合适的贷方或银行?

Do you know what you should be looking for in a lender or bank? One of the most common criteria when it comes to choosing the right lender or bank are credibility, 可靠性, 以及市场寿命王牌.     


When you are like most people you probably ask someone you trust for a recommendation. 但当涉及到你的抵押贷款时, you should always consider that your situation might be different from your friend’s situation. Therefore always consider that you should find a lender or a bank that fits your needs the best.  Before getting started make sure that the bank, savings & 贷款, 信用合作社, or mortgage broker is active in the product and local market for the type of 贷款 you need.  The Realt口服补液盐 of AMSI have long-standing relationships with many lenders when a referral is needed.


Contact one of our Real Estate Agents anytime to learn more about the process of buying a home.

 


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