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[rjbrealestate]

Applying For Housing Loans In 2021: Know How And When

Usually, the first step towards owning a new home is to pre-qualify for a mortgage. This might come as an overwhelming task but it’s necessary. Here are some information that can definitely help you figure out how and when to apply for a loan in 2021.

Pay Attention to Falling Rates

Always keep track of the interest rates set by the Federal Reserve. These interest rates set the floor on lending for lenders. Borrowing when there is a downward trend is always a good idea. If the trend has had the rates plateau for a bit, though, you may want to move faster—this could be a sign that the rates are going to go back up.

Look at Loan Types

Another good way to figure out how to apply for a loan is to look at the types of loans that are out there. If you are a first-time homebuyer who meets certain credit and income qualifications, you could look at an FHA loan to get a lower down payment. Other borrowers might be better served by VA loans or even conventional loans. Doing some research will help you to figure out which programs you should apply to and what kind of documentation you’ll need going forward.

Look at your Timetable

Think about your timetable. It’s usually a good idea to start applying to get pre-approved for a loan around the same time you get serious about looking at houses, though there’s not really a wrong time to start preparing your paperwork. Note that getting pre-approved too early can be an issue as you might have to resubmit paperwork, but applying ahead of time is usually recommended.

Talk to a Lender

When you’re ready to seriously start thinking about loans, you’ll definitely want to talk to a lender. While you can actually submit much of your pre-approval paperwork online, you’ll eventually need to talk to a lender to discuss the products that work best for you. Try to get quotes from several different lenders to find an interest rate and loan product that works for your needs.

The best time to apply for a loan involves looking at rates, but it also requires knowing when you’re looking to buy. When you’re ready, start shopping for a good loan product that’s going to meet your financial requirements. Getting a mortgage can sound scary, but getting through the process is easier now than it has ever been.

Source: Belnap, M. 2020. Home Financing Center. Housecall. RISMedia

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[rjbrealestate]

When To Walk Away From A House You Wanted To Buy

You think that you have found the perfect house, but you may have to walk away for some reason. You may learn new information that causes you to rethink your decision or your circumstances may change.

Problems With the House

A home inspector may discover serious problems, such as large cracks in the foundation or widespread mold. The inspector can also find that work was not performed according to code. If repairs would be expensive, it might be best to simply walk away.

Work that was performed without permits can also be problematic. If you buy a house that had renovations done without the proper permits, you may be required to pay fines.

If you learn that the seller withheld information about a problem with the house that he or she was legally required to disclose, you can decide this is reason enough to look for new home options.

Legal and Financial Matters

A title search can reveal a variety of issues that may create financial or legal problems. For example, there may be liens on the property for unpaid taxes or homeowners association dues. Legal documents can contain incorrect information. You may even learn that the person who attempted to sell the property is not the owner.

A lender won’t loan you more than the appraised value of a home. If the house appraises for less than the price you agreed to, you can ask the seller to reduce the price or you can pay the difference out of pocket. If neither of these is an option, you can pull the plug and walk away from the deal.

You may be unable to proceed with the purchase if you can’t get a mortgage. Even if you were pre-approved when you started house hunting, your circumstances may have changed since then and you may no longer qualify for the same amount and loan terms.

You may be unable to obtain homeowners insurance. Premiums may be unaffordable or insurance companies may be unwilling to insure the property because they consider it too risky for some reason.

Personal Reasons

Your circumstances may change after you make an offer on a house. You or your spouse may lose a job or one of you may be offered a promotion in a different city. A death in the family can also cause you to rethink your plans. You may also find another house that is more suitable for your family’s needs or that is more affordable.

Talk to Your Agent

If you decide not to go through with the purchase, contact your real estate agent as soon as possible to discuss the reason for your decision. You may or may not be entitled to a refund on your earnest money (the funds you paid to show that you were serious about buying the house). That will depend on your reason for walking away, the details of the purchase agreement and laws in your state.

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