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Applying for a Mortgage

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It is really important to apply for a mortgage prior to looking at homes for sale so you will know just how much home you can afford. Finding a home is really important and being able to pay for it is the priority! 

Think About This Before You Apply For A Mortgage

At Wendy Morris Realty we provide the ultimate Mortgage Solutions for our clients 

 

 

 

  • Credit History - How's your credit?  The better your credit, the better the rate.  The down payment requirement is factored in based on your credit history.
  • Down Payment - Depending on what type of loan you will obtain will determine the down payment requirements regardless of whether you are getting and adjustable loan, fixed rate, jumbo loan or FHA.
  • Closing Cost - Not only does a lender require a down payment but in order to close on a home there is usually out of pocket closing costs.  A home seller can assist with closing costs if they agree to it!
  • Monthly payment?  Feel comfortable with the number and do not forget additional housing expenses that could be included in your mortgage payment like taxes and insurance. 


The important things to think about when you apply for a mortgage is can you afford the cost to buy a home, the monthly payment and will you qualify?  Never assume anything when it comes to applying for a mortgage.  Mortgage guidelines, laws pertaining to banks and lenders seem to continue to evolve and change.  Do yourself a favor and work with a trusted mortgage professional if you do not know one, ask us, we would be happy to help!

 




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Contact Wendy Morris

407-575-5392

Wendy Morris LLC
DBA Wendy Morris Realty
Licensed in the State of Florida
BK 3146762
14832 Speer Lake Drive
Winter Garden, FL 34787

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