5 Questions a Home Lender Will Ask You
When you are starting to purchase a home there are going to be plenty of people that you are going to have to work with. This includes the home lender who is going to help you get your mortgage and there is so much that you want to know. There are going to be plenty of questions that they would be asking you and you should be prepared to answer them fully and honestly. Here are just a few of the main questions that the lenders would ask, so go ahead and keep reading to know more.
Employment Status
One of the first things that the lender is going to ask you about is what is your current employment status. They are going to want to know how long you have been working in the position you currently hold and what you do. However, the longer you hold the position that you are working in the better, so make sure that you are thinking about that.
When you are looking to buy a home you need to have secure employment where you are making a sufficient enough in terms of salary. Fred Franks a Real Estate Broker in Ocala, FL stated “I tell all the realtors Ocala FL I train to tell their clients; To always stay with your current job if you are looking to secure a mortgage.” This is because the longer you have been with the job, then the more favorably it looks, so don’t switch right before applying.
How Much You Make
The lender is also going to be interested in knowing just how much you are making in terms of salary every month. This is a significant piece of information that they are going to need to know since it can determine how much you can pay monthly. This is going to assure them that you are going to be able to make enough to cover the payment for your mortgage without problems.
They would verify the amount that you are making by checking out your W-2s, tax statements or even your paycheck stubs. Ensure that you have a steady income when it comes to applying for your mortgage and make sure that you can show that to the lender. If you don’t have a steady income you are going to need to provide more details regarding the inconsistent income you might have.
Debt Amounts
Another thing that they are going to want to know about is the amount of debt that you might have. This is a huge consideration because the more debt you have, then the harder it will be for you to meet all of the requirements every month. They will look at a wide variety of types of debts like alimony, student loans, credit cards, car loans and even other mortgages. You want to make sure that you are showing them just how much debt you have and that you are able to make the necessary payments every month.
Having debt …
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