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Buying A Home Via Mortgage: What To Expect

Published by Joe Webster.

What's in this article?
  1. Prequalification
  2. Check your credit score
  3. You will produce a lot of documents
  4. Appraisal
  5. Down payment
Produce A Lot Of Documents For Buying A Home

Apart from a chosen few, many people start their home ownership journey with a mortgage. A mortgage helps you to buy the house of your dreams, move in and pay for it in the next ten or twenty years of your life comfortably. However, unlike paying cash, buying a home via mortgage involves a lot of steps that begin even before you find the house you want.

Here is what you should expect if you want to apply for a mortgage soon:


Before you even step into a bank to get prequalified, it is necessary to qualify yourself and see how much disposable income you have. Take two or three months to monitor your spending and how much you save every month. The mortgage lender will look at your income and all financial statements to tell you how much they can lend you. This will help you to know your budget so you don’t shop for a house you can’t afford.

A-1 Auto Transport can help you move your household goods nationwide. Call 888-241-3110 to get a free, no obligation to buy price quote on interstate moving services.

Check your credit score

Unfortunately, most people don’t know their credit score and how it affects your ability to get a loan. Before considering a mortgage, you must check your credit ratings because it will affect your interest rates if you qualify for the loan.

Down Payment For Buying A home

You will produce a lot of documents

The most frustrating aspect of getting a mortgage is the amount of documents you will be asked to produce and sign. The lender will want you to bring in two or more recent pay slips, tax returns, previous two years’ W-2s and two months bank statements. The lender has the right to ask for any document that proves your worthiness to pay for the loan and the sooner you submit the documents, the better it will be for you. The lender will also ask you a lot of questions and it is wise to answer all of them truthfully.


Appraisal is a step that the mortgage lender will have conducted on your dream home to protect their interest. A third party appraiser will go to the property and look at the appearance of the house, square footage, amenities and current condition to see if it is indeed worth the money. The appraisal is needed so that the bank is assured of recovering their money in full in case you default payments and they have to resell the house.

Down payment

When buying a house via mortgage, you can expect to raise at least 20% of the total cost on your own. This down payment is usually a commitment to show that you are serious about the house so they can give you the remaining 80%.

With the mortgage rates for a 30 year period hitting 4.5% within the last few days, it is wise to say that people need to buy houses while they can still afford them. However, unlike paying cash, you can deduct your mortgage interest on your taxable income hence saving some good cash.

Buying A Home Via Mortgage: What To Expect
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Joe Webster always knew the auto transport industry would be a great career option. And with decades of experience, Joe is now an established consultant for A1 Auto Transport.

Joe was born in Santa Cruz, California. During high school, Joe worked as a mechanic; a job continued to work part-time during his bachelor's degree.

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A-1 Auto Transport is a disclosed agent for the following shipping companies:

CSI Logistics
435 Division Street
Elizabeth, NJ 07201
FMC 22206
Intl Cargo
45 Campus Drive
Edison, NJ 08837
NO. 17858N
Trans Global Auto Logistics, Inc.
3401 E Randol Mill Rd,
Arlington, TX 76011
NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
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