How do i go about getting a Mortgage?

What do i look for when it comes to the interest rate? Who has the best plan? Who can i go to get advice?


I'm looking for my first house need help!How do i go about getting a Mortgage?
talk to your realestate agent,most mortgages are flexed for the first 2years,you can also look in your yelow pages and call a mortgage company or bank,depending on your credie,your intrest can be anywhere from6.5 all the way up to 12,my advice,is to call a mortgage company,if you would like,i can give you the name of the one i used.How do i go about getting a Mortgage?
You need an experienced loan officer to walk you through the process. I recommend Smart Choice Mortgage. They do business in most states and are your best opportunity for someone to say yes. ADDITIONALLY, IF YOUR CREDIT IS SUSPECT, THEY SOMETIMES FRONT THE MONEY TO GET YOU INTO A CREDIT RESTORATION PROGRAM SO THAT YOU CAN QUALIFY FOR A LOAN. Check out the free evaluation form at the source website and a Smart Choice loan officer will contact you within 24 hours. Good luck.
Please don't go to people in here spamming for business or to the internet.





You need to look beyond interest rate. Talk to a few lenders in your area with names you recognize, like Countrywide. Ask for a truth in lending good faith estimate of closing costs. Are there pre-payment penalties? Late fees? Default interest rates? You need to get a total package picture, not just an attractive interest rate.





For advice, ask your Realtor, they work with lenders every day and will tell you who you need to talk to.
Banking rule of thumb ... if you do not need money, the banks want to loan you lots of it. If you do need money, you will have a real hard job getting a loan.





Internet rule of thumb ... if you use the Internet to contact some organization showing that you have some kind of need, you will be flooded with thousands of contacts trying to provide that service to you, and most of them will be crooked.





You need to visit several banks and get some quotes from them. You need to research the bank rating services, so that when you sigh away your next third of a century financial life, you do so to a reputable organization.
What state are you in? There are certain things you should have at hand before you have a mortgage broker or lender running your credit and lowering your score. Check your credit score, have all of your W2's for the past couple of years, and a steady employment history and income. If those are stable, you are half way to ownership.





MelSellSFlorida@yahoo.com

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