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You are here: Home / Homeowners / Preparing to get a mortgage

Preparing to get a mortgage

April 13, 2020 By Geoffrey Disch Leave a Comment

A mortgage is essentially a loan so that you can buy property. Obviously, it’s for a large sum of money so the lender wants to be sure that you’ll be able to meet your payment schedules. When applying for a mortgage you’ll need to supply at least the following:

  • Income verification: Formulas are sued to make sure that you’ll be able to make your monthly mortgage payments as well as your other financial obligations.
  • Credit history: Poor credit often means you’ve defaulted on past payments while a strong score indicates that you are responsible and can handle your finances.
  • Employment history: In the financial world consistency and stability are important.
  • Bank statements: Even those with a good job and income can overspend. It’s important for the lender to know that you can consistently meet your obligations.
  • Home inspection: The condition of property you intend to buy can also a factor when you are looking for mortgage.
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