Sam
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Your best bet would be to join a Credit Union. Then inquire there. |
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cookie_98_99_00
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speak to a mortgage advisor, they dont charge and will have up to date information,
most estate agents have one tied to them |
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cheekybear
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have a look at moneysupermarket |
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theyellowkid1
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You would be best finding a mortgage broker that is near you so you can the service that you want and need. Just look online or in your phone book and there will be plenty of offices. I've been in the mortgage business for ten years so if you ever have any questions or want to compare answers then just send me a quick email and I'll be happy to help. |
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purepleasureuk
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your better seeing your bank you have been with for years or a mortgage broker. you will need to provide wage slips and prove you have a snowy white credit history. unfortunatly just now no one can get a 100% mortgage you will prob need at least a 10% deposit. i think its something like 4 times your annual wage they will offer you, and 2 times your partners. i might be wrong, as it changes all the time. i am in the process of tryin to sell my 2 bedroom flat in north lanarkshire for fixed price of £70,000 if your interested,lol |
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Susie Q
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I would start by asking people you know who already own a home and who are responsible people and ask who their mortgage broker is. (Or ask your tax guy/real estate agent/lawyer/parents/boss who he uses)
Then call that broker and just start a dialpgue with them. You should feel comfortable with them, if not, ditch them. Use your common sense, if it smells fishy, it probably is.
Make sure you get all pricing quotes in writing. Go ahead and get a few different quotes from different brokers and compare. This way you know what others are offering and can feel safer about the choices you are given.
I like mtg brokers instead of single banks because they often have several banks they work with and can "shop" different banks for the best rate for you.
Good luck and watch out for fishy brokers & banks! Referrals are the best!! |
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Max Power
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In todays climate its hard to say how much you could get , good job security an a big deposit will be a major help , but 4 times your annual income might be harder gotten than a year ago , shop around but remember the bigger offers often come with a premium interest rate often tied for the first 5 years |
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howie
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in Canada we just go to the bank they will determine how much you qualify for , right now is not a good time to get a mortgage unless you have a VERY secure job, in a couple of years things will be better |
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godged
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The best place to start is a local lender. Local lenders receive a strong amount of their business from referrals, so they have a vested stake in making sure you are satisfied. Also, local lenders will know about local programs that you may qualify for.
I am certain their are ethical, meticulous internet lenders out there, but I haven't found one. Many utilize a bait and switch tactic, promising a great mortgage package, only to send a different set of numbers to the closing table because the original package was "not available any more" or that you didn't qualify for that great package. They miss closing dates, screw things up and cause their fair share of gray hairs. The chances of you going back to Bob P. and MortgageMart.com are about zero, so he doesn't care if you are satisfied with his service or not, he makes his money on volume of loans, not referrals or repeat business.
As a word of caution, know your finances. I know I could go out today and get pre-qualified for way more mortgage than I could comfortably afford. So just because a lender tells you what you can qualify for, make sure you can afford it without eating mac and cheese every night. A lot of people got themselves into trouble by taking a lender's word about what they could get, and what they got was big trouble.
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get it while it's hot!
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Don't go through private mortgage companies, they are clearly only in the business to make money off of you, stick to a local bank with people who know your name, that you feel safe to trust their advice. The rate may be a little higher but they will generally do a much better job and help you make the best decision and manage your money well.
Good Luck!! |
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Jay S
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try here http://www.cohomesandloans.com/forms/purchaseAssistant.html |
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Obama's Illegitimate Son
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bank of america |
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rockgirlfury
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Actually you can go online, just type in mortgage calcultor in the search engine.. and it will bring them uo, that will tell you how much you can afford. |
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Gonz
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Someone like - http://www.mortgagebroker.co.uk/
Though your bank would be the best place to start. |
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Lynn
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Go to large bank (or mortgage company like CitiMortgage or WellsFargo, Universal Mortgage, etc) and sit down with someone and say that you want a pre-approval for a mortgage. They will want to pull your credit, know how much debt you have, and you income. Most definately shop around for the best rate. The rate is very important. Also a word of advice, don't spend the total amount you are pre-approved for. Just because the bank will give you that money doesn't mean you can "actually afford it comfortably", so do not over-extent yourself.
Happy mortgage/house hunting! |
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cb jee
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Banks don't give mortgages any more...
America is turning into hell |
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Candy Canes
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http://www.youtube.com/watch?v=zS6aAN2Pskg
this guy is a banker. |
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