Getting Approved For A Good Mortgage
Even though the real estate market at this point is a buyers market
, it is still very difficult to get approved for a mortgage for many people. There are many people, for example, who are self employed who are perfectly capable financially to own a home. However, they are still unable to get approved for a mortgage unless they have been successfully self employed for at least two years. The only recourse they have is to have someone cosign their loan, and those who are self employed are the type of people who stand on their own, so they are not going to want to have anyone else attached to their mortgage.
There are some companies that stand out from others as being able to get people approved to finance the homes of their dreams without jumping through hoops and getting turned away 10 times. You need to find a company first and foremost, above all else, that is going to treat you with respect in a professional manner, no matter what your credit score is or what your income looks like.
You also want to make sure that the professionals who work for the company are personable! You have to like them, you need to get along with them, and you also should truly believe that they are going to work for you with your best interests at heart.
It is not going to do you any good if you do not like the professional you are dealing with. It is also a good idea to make sure that you deal with local mortgage professionals if you can. This way, you can call them, stop in whenever you need to, and meet with them face to face. Communication is the key! You should be able to reach your loan officer day or night, and wouldnt it be great i you had your loan officers cell phone number if you had concerns in the evening or over the weekend?
It is also a good idea to find a mortgage company to work with that requires no upfront fees. Some of the very best ones also have no upfront application so basically it costs you absolutely nothing to find out what that mortgage company can do for you. In addition, you will be absolutely sure that you are in the best care and working with the best professionals when you know that they are willing to meet or beat any other companys competitive rates and fees. When they have a policy like that, you can not lose!
by: Phoenix Delray
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