The higher your FICO score, which ranges from 300 to 850, the better interest rate you'll qualify for. The difference between a 4.5% interest mortgage and a 5% interest mortgage can mean tens of thousands of dollars over the life of the loan. Get a free copy of your credit report so you can see what the lenders see on your credit history. Pay off credit cards and resolve any credit disputes or delinquencies. In general, scores between 650-700 will get the average rate. A higher score will generally qualify for at least a ¼% reduction in interest rate, but a score below 650 will usually cause an increase in your interest rates which sometimes can be significant.  Sample Rates Based on your Credit Score    Credit Range 600-650 (Check with your lender) Between 650-700 Between 700-750 Between 750-850     Sample Rate    6.00%        4.00%       3.90%       3.75%      Total Amount Owed on a $175,000 Mortgage (30 Years)    $377,716.83       $300,771.64       $297,150.97       $291,762.82 Apply to several lenders within a two-week period so that the inquiries do not adverse impact your credit report. Do this before contacting a real estate agent so you have a good idea of what you can afford, and you don't accidentally fall in love with a [house] that you cannot afford.  Sellers love buyers who get pre-approved. Pre-approved buyers are almost always given the green light by lenders, meaning there's less risk for the deal to get scuttled before a successful closing. Don't accidentally get pre-qualified instead of pre-approved. There's a difference. Pre-approval means that the lender is usually prepared to give you a loan after seeing your financial vitals. Pre-qualified only means that the lender is estimating what you could borrow. It doesn't mean you'll get a loan. "28 and 36" is a commonly used ratio. It means that 28% of your gross income (before you pay taxes) must cover your intended housing expenses (including principal and interest on the mortgage, as well as real estate taxes and insurance). Monthly payments on your outstanding debts, when combined with your housing expenses, must not exceed 36% of your gross income. Find each percentage for your monthly gross income (28% and 36% of $3750 = $1050 and $1350, respectively). Your monthly payments on outstanding debts cannot exceed the difference between the ($300) or else you will not be approved. If you qualify for a first time home buyer program, these often have much lower down payment requirements. These are offered by various states and local governments. You may also be able to access up to $10,000 from your 401(k) or Roth IRA without penalty. Ask your broker or employer's human resources department for specifics regarding borrowing against those assets. If you expect the buying of the house to be a simple, straightforward affair, then you'll probably only need a Realtor, the escrow company, and perhaps a mortgage broker. But then again, when do things ever go as expected? Hire an honest, reputable, (relatively) cheap lawyer if:   The cost of the lawyer is a drop in the bucket compared to the total you are likely to spend for the home. The home you are buying is either in foreclosure or in probate, which means that the home is being distributed as part of a deceased person's estate. You suspect the seller might try to quickly back out of the deal or you don't trust them. Your state requires a lawyer at closing. Six states currently require a lawyer present. Talk to your state commission of real estate to find out if it's common practice in your state. It is also a good idea to check with an attorney before entering into a contract.
يمكنك تعزيز نقاط الائتمان الخاصة بك وارتفاع درجة فيكو الخاص بك، والتي تتراوح بين 300-850، وأفضل سعر الفائدة أنت مؤهل له. الحصول على موافقة مسبقة للحصول على المبلغ الفعلي الذي يمكنك دفعة. تسوق لرهنك العقاري . إذا كنت مؤهلاً  قم بتفقد برامج المشترين للمرة الأولى فغالباً ما تكون شروط الدفع المسبق أقل بكثير ويتم تقديم هذه البرامج من قبل مختلف الدول والحكومات المحلية . قم بتوكيل محامي وتحدث إلية (اختياري) .