Ways to a Cheaper Mortgage
Fellow Lemonaders,
A few months back, Mrs. Lemonade and I refinanced our house...pretty pain-free too! We were able to get a great rate through our lender Wells Fargo.
Today, I was forwarded an article from MSN on ways to get a cheaper mortgage, which was very interesting.
In a nutshell:
1. Know the trends - Mortgages go up and down. With things the way they are (stimulus, etc) trend may be for rates to go up.
2. Pull the trigger - If the rate you are offering is at least 1 point less than what you have now...do it. Rates are at historic lows.
3. Understand the criteria - Income verification, FICO score of at least 720, down payment of at least 3.5% and manageable levels of debt.
4. Clean and polish - Fix your credit by paying off loans/credit cards or any other outstanding debt you may have. Get a report from the one of the bureaus to ensure everything is correct.
5. Shop around - You wouldn't buy a car from the first dealership you went to, would you? Check out anywhere from 3 to 20 lenders.
6. Be patient - This process takes a while so sit down, relax and enjoy the ride.
7. Be prepared - Get yourself organized and your paperwork in order.
Hope this helps you guys,
Johnny Lemonade
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This are great guidelines for
This are great guidelines for a successful financial life. To rebuild your credit you will find specific steps that can be taken. People who already have very good credit, at times, make it seem like it was a basic course of action to acquire there; even though they spent years making sure all their bills were paid on time. Some with beneficial credit score utilized payday cash advances as a loophole to borrow money without having hurting their credit rating report.
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Thanks for this very useful info you have provided us. I will bookmark this for future reference and refer it to my friends. More power to your blog.
i was looking for the cheap
i was looking for the cheap mortgage.thanks for the posting here.
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Starting to understand a bit more now... Thanks for keeping it simple!
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Great post, I look forward to
Great post, I look forward to reading more.
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Cheers for the info. It was a
Cheers for the info. It was a good read.
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