In 2018, mortgage pre-approvals are absolutely essential to the home buying process. Some real estate professionals won’t work with borrowers who haven’t been pre-approved for a mortgage. Sellers rely on pre-approval letters to help determine whether a potential buyer can...
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The wisdom espoused by some real estate professionals (and occasionally by well-meaning friends and family) goes something like this: When buying a home, go ahead and spend every cent of what a lender is willing to finance for your mortgage....
As a soon-to-be-homebuyer, you did the smart thing and got pre-approved for a mortgage. Now, you’ve now got a pre-approval letter in hand—and on that pre-approval letter, you’ve got an expected monthly mortgage payment amount and a maximum home price....
Pre-approved borrowers rest a little easier than other wanna-be homeowners, knowing that they’ve already jumped through most of the hoops to qualify for a mortgage. Sellers are happier with pre-approved borrowers, too, because sellers can trust those buyers’ offers. As...
If you’ve ever gone to the store without your wallet, you know how embarrassing and frustrating it can be to want to buy something and suddenly discover that you’re unable to pay for it. When you’re buying something as important...
Most first time homebuyers don’t have hundreds of thousands of dollars just sitting in their bank accounts. If you need financing to purchase a home, you’ll need to be able to show a seller definitive proof that you can actually secure...
You wouldn’t go to the grocery store without bringing your wallet. And for major purchases like home appliances or furniture, you’d make sure you had enough money (or credit) to cover the cost of that new dishwasher or sofa before...