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Buying a home is a big step, especially if it’s your first time. Finding the right house, getting the right price, securing a home loan — it can be daunting. However, the guidance of an experienced mortgage lender can help you navigate the process smoothly.
Schedule an appointment with a mortgage loan officer today and take the first step toward owning your first home.
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The homebuying process can be time consuming, especially if you have never been through it before. However, with the right preparation and some expert guidance, you can save yourself some time and heartache.
Find out what you need to know with our first-time homebuyers blog.
First Time Homebuyers Blog
When determining a buyer’s home loan qualifications, lenders consider all factors before returning with a decision. Credit profile, income and employment history, debt-to-income ratio, and current assets and reserves all play a big role in the decision to fund a home loan and the terms of the potential loan.
Your credit score will help determine the interest rate you are offered. Meanwhile, the other factors will be used to determine how much you will be able to borrow.
HAPO members have access to a free credit score tool inside online banking. Track your credit score, monitor your credit report, and get personalized tips on how to improve your score.
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