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Tips for managing your mortgage application

Posted in Articles on Friday, April 20, 2018

Find out how to navigate the mortgage process with ease.

If you’re thinking about a new home, your mind is probably filled with countertops, paint swatches and location, location, location. Of course, it’s good to give some thought to your financing too.

While the mortgage experts at Veridian are here to guide you through the process — and offer 30-year fixed rates as low as 4.455% — here are some tips to keep in mind as you begin your hunt for a new house.

1. Set your budget.

The last thing you want to do is fall in love with a house and then find out you can’t afford it. Getting preapproval on a mortgage before you start looking will help keep your expectations in line with reality — and make your eventual offer more attractive.

2. Manage your credit.

That all-important number will help determine the rate on your mortgage, so now is the time to correct any errors on your credit report or take steps to boost your score. Once you’ve started the loan process, avoid things that would affect your financial situation, like changing jobs or making other major purchases.

3. Start saving.

In addition to keeping your credit score up, avoiding big expenses is smart for another reason: You might need that cash for earnest money, a down payment, or closing costs as you move through the homebuying process. And once you’ve closed, there’s moving, painting, and furnishing your new home.

4. Get organized.

To apply for your mortgage, you’ll need to do things like verify your income. Start gathering those documents now and keep good records as you move forward, especially if you’re making large deposits or transfers into your account for a down payment or other associated expense.

5. Ask questions.

Your comfort is the most important part of the mortgage process. We’re here to listen to your concerns and answer your questions about buying a home — that’s our job! We want to make sure you understand and feel good about each step as you move toward buying a new home.

If you’re ready to find out more about mortgages, schedule an appointment today to talk to a mortgage expert from Veridian:

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All prices are for 30-day rate locks for single-family, owner-occupied transactions. Rates based on 740 credit score and 75% loan-to-value ratio. Rates are subject to change without notice . Origination is 1% of the loan amount unless otherwise noted with no discount points. For a $150,000 30 year fixed mortgage at 3.375%, the monthly payment will be $663.14 (monthly payment does not include amounts for taxes and insurance premiums, so the actual payment may be greater). Veridian is not responsible for typographical errors or omissions. For other loan amounts, terms, and rates, contact a Mortgage Loan Originator. Additional disclosures available.

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