{"id":39816,"date":"2020-09-09T04:15:50","date_gmt":"2020-09-09T11:15:50","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=39816"},"modified":"2025-12-27T12:45:55","modified_gmt":"2025-12-27T20:45:55","slug":"3-surefire-tips-for-getting-your-mortgage-loan-approved-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id39816-3-surefire-tips-for-getting-your-mortgage-loan-approved-2.html","title":{"rendered":"3 Ways to Ensure Your Mortgage Loan Gets Approved"},"content":{"rendered":"

\"application-mortgage\"<\/a>Buying a home is a significant financial investment and it could be potentially stressful because of the long processes involved.<\/p>\n

Getting your dream house<\/a> is often a major hassle in itself — sometimes you’ll find a house you love but it won’t be up for sale, sometimes it’s up for sale but the price is not right, sometimes the price is right but it doesn’t fall in the school district of your preferred school for the kids. However, getting a mortgage shouldn’t be another battle you have to fight in your bid to own a home.<\/p>\n

Before you sign those papers, make sure that you took the process to compare mortgage lenders and not just sign on the first you deemed credible. Doing extensive research on this area could save you a lot of trouble eventually. Remember, you’ll have a long-term relationship with these financial agencies. Aside from giving you the best interest rates and flexible options, you may want to check how their customer relations are.<\/p>\n

Prior preparation also makes the lender more willing to work with you; as a result you’ll find the mortgaging process much easier.<\/p>\n

With all of that in mind, here are three surefire tips for improving your odds of getting your mortgage application approved:<\/p>\n

1. Know your credit score<\/strong><\/p>\n

As strange as it may sound, many potential homeowners don’t take the time to know their credit score<\/a> before they send it a mortgage application. Many people assume that they are still in good credit standing today because they had an excellent credit score two years ago. However, a couple of oversights on your part, mistakes on the part of your credit card company, or identity theft could do serious damage to your credit score.<\/p>\n

Before you send in your<\/em> mortgage application, order your credit report and credit score in order to review your credit worthiness. It’s important to note that most lenders want a credit score of at least 680. A credit score of 620 could get you a mortgage with FHA mortgage plans but you are not likely to get any mortgage with a lower credit score.<\/p>\n

Not many people realize that even a few days’ delays in the payment on one’s credit card obligation can result in a decline in the credit score. Financial institutions have set very rigorous standards in this area to ensure that only those who are capable and financially responsible can get access to credit.<\/p>\n

You may request your credit score report for free from your credit card company, and you may also acquire this for a fee from financial agencies like Equifax, Experian, and TransUnion.<\/p>\n

2. Prepare your down payment<\/strong><\/p>\n

In years past, you could easily get a zero-down mortgage in which you’d use “other people’s money” to buy a house. However, the prevailing trend now requires prospective homeowners to demonstrate their seriousness and commitment by making a down payment on the house in order to secure a mortgage. If you’re planning to buy a house in the future, you might want to start saving up money now so that you can have a decent down payment to fast track your mortgage application.<\/p>\n

Minimum down payment requirements vary from one lender to another. However, on average, most lenders expect you to drop a down payment of at least 3.5% of the home’s value. It is in your best interest to pay as much as you can in down payment. In fact, you should strive to make a 20% down payment so that you can reduce your mortgage balance significantly.<\/p>\n

The down payment you plan to put to your home will play a major impact on how you live your life in the years you’ll be paying for your mortgage. If you placed a substantial percentage, you may have smaller monthly dues that could give you more room to enjoy your life with your family in the future. Likewise, if you only placed a minimal percentage of down payment, you’ll have a larger amount to put up with every month which could tighten your budget when it comes to spending. This is the reason that before planning to buy a home, you need to have substantial savings to give you more room to enjoy your life financially.<\/p>\n

More so, a 20% down payment often has a material impact on the mortgage rates because it eliminates the need for private mortgage insurance popularly known as PMI. Hence, you’ll pay less in monthly mortgage payments without the PMI.<\/p>\n

3.Beware of the employment changes you make<\/strong><\/p>\n

Most conventional personal finance experts and mortgage advisors often fail to impress upon prospective homeowners the importance of staying at their jobs during the process of a mortgage application. As strange as it might sound, your mortgage application might be denied if you lose your job or if you change jobs before the mortgaging and home buying process is completed.<\/p>\n

Lenders try to minimize the risk of a default as much as possible and they often consider your employment status and financial solvency before approving or denying your application. Hence, they might be forced to deny your application if you lose your job or quit your job before the application is approved. More so, the lender is not likely to approve your mortgage application if you move to a lower paying job or if you decide to start your own business or work from home in your pajamas.<\/p>\n

Photo Credit: stock photo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Buying a home is a significant financial investment and it could be potentially stressful because of the long processes involved. Getting your dream house is often a major hassle in itself — sometimes you’ll find a house you love but it won’t be up for sale, sometimes it’s up for sale but the price is […]<\/p>\n","protected":false},"author":36,"featured_media":39817,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[454,463],"tags":[],"class_list":{"0":"post-39816","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"category-real-estate","9":"pmpro-has-access","10":"entry"},"yoast_head":"\n3 Ways to Ensure Your Mortgage Loan Gets Approved<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id39816-3-surefire-tips-for-getting-your-mortgage-loan-approved-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Ways to Ensure Your Mortgage Loan Gets Approved\" \/>\n<meta property=\"og:description\" content=\"Buying a home is a significant financial investment and it could be potentially stressful because of the long processes involved. 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