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♥USMCwife♥ | My husband and I are going to the bank to apply for a home loan. Any advice? |
Is there anything I need to know? What do I need to be prepared for? It is our first home. |
 |
 
xdwcpsd
|
I am assuming you'll actually talk with someone when you go to the bank. In which case:
1) Make sure that your credit report has no funny stuff in there. (Credit cards you did not open, cars you did not buy, etc.)
2) Ask the loan officer these questions (listed in no particular order):
a) What will be the rate of interest?
b) Will there be a prepayment penalty?
c) Will the interest rate be variable or fixed? If variable, how often can it change.
d) What will be your approximate monthly payment?
e) What would be the life of your loan? (in years)
f) What happens if you refinance the loan?
g) What happens if you sell your house?
h) Are you qualified for any special offers? (sometimes, the higher your credit rating, the lower the interest rate and other terms you can get)
There are a bunch of other questions depending on your status and your particular situation. But those are the very basic things you should ask. |
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geni100
|
Smile.
They'll just ask you for your credit information, your plans, what kind of down payment you're comfortable with. Within a couple of days, they'll come back with some recomendations of what they can do for you. If you're happy with that, great. If not, work with a mortgage broker instead of a banker. A good mortgage broker will have access to a lot of other kinds of programs that may get you all you are after.
Enjoy the moment. :) |
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socalgrrrl05
 |
Know your credit score!!! Thats a huge factor! |
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xzhou11377
|
the interest rate, rate different for 5 yrs, 15 yrs or 30 yrs
provide the your pay check to prove your income |
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JAMES w
|
kiss the loan officers *** |
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soar
|
Talk to the loan officer before you go for the application and ask what documents he/she needs you to bring. This will speed up your application and make it a more pleasant experience. Good luck! :-) |
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GramParsons
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Get a Snickers! Gonna be a while. |
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Mindy
 |
do not hesitate to ask alot of questions, even if you think the questions are dumb, better safe than sorry:) |
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Sunny
|
1. your interest rate
2. how much are they charging you for the closing
3. if they are hitting you with any points and how many
4. is the interest rate fixed or not
5. any deals for refinancing later?
6. how much are you putting as a down payment and your escrow account info
7. are you setting up your payment to be mailed monthly or biweekly. A lot of people prefer it bi weekly depending on how they get paid.
8. Re-check all the info that you find out, before you sign your closing papers.
Best wishes |
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wannaplaytoo2001
|
good luck! be ready for credit checks on both of you, have your bills paid up and a hefty downpayment will help secure that loan |
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ny1135
|
Great question ... and cudos for asking before you walk in the door. Put yourself in the loan officer's shoes and be prepared. Have copies of paystubs, bank accounts, tax returns, and details on debts. |
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Jesse S
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Leave your husband. |
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