Most of us don’t have the money to buy or renovate a home. This is where mortgage loans come in. Whether you’re buying your first home, renovating or investing in a rental or vacation spot, your next mortgage can help you achieve your goals.
However, to achieve this goal, getting the best possible mortgage rates is crucial. The interest rate and terms of your mortgage are important because these factors can greatly affect your total outgoings. Cut your interest rate by a percentage or two and you’ll save thousands of dollars in interest over the loan process.
Nola lortu hurrengo hipotekaren interes-tasarik onena
Zure hurrengo hipotekarako aukerak aztertzerakoan, hobe da ahalik eta prest egotea zure mailegu-eskaera betetzeko eta ahalik eta interes-tasa baxuenak lortzeko.
"Hiru zutabe daude: zure kreditu-kalitatea, zure diru-sarrerak (zorraren eta diru-sarreren ratio batean itzulita) eta zure aberastasuna", azaldu du Josh Moffitt-ek, Atlantako Silverton Mortgage-ko presidenteak.
In each of these areas, the following steps must be taken to obtain the best possible mortgage rate.
1. Hobetu zure kreditu puntuazioa
Kreditu-puntuazio baxuago batek ez dizu automatikoki eragozten mailegu bat lortzea, baina ahalik eta interes-tasa baxuena eta mailegu-baldintza garestiagoen arteko aldea izan daiteke.
“Credit scores are always an important factor in determining risk,” said Valerie Saunders, vice president of the National Association of Mortgage Brokers (NAMB). “Lenders will use the score to measure a person’s ability to pay off their debts. The higher the score, the more likely the borrower will not default.”
The best mortgage rates go to borrowers with the highest credit ratings, usually 740 or higher. Generally speaking, the more confident a lender is in your ability to make your payments on time, the lower the interest rate they offer.
Zure puntuazioa hobetzeko, ordaindu fakturak garaiz eta ordaindu edo kendu kreditu-txartelen saldo hauek. Saldo bat eraman behar baduzu, ziurtatu saldoak ez duela 20% eta 30% erabilgarri dagoen kreditu-mugaren gainditzen. Gainera, egiaztatu zure kreditu puntuazioa eta jakinarazi aldian-aldian eta bilatu txostenean akatsak. Akatsen bat aurkitzen baduzu, lan egin horiek konpontzen hipoteka eskatu aurretik.
2. Enplegu-erregistroen lan ona egin
You are more attractive to lenders if you have a steady job and income for at least two years, especially with the same employer. Be prepared to provide pay stubs at least 30 days prior to applying for a mortgage and a W-2 for the past two years. If you earn bonuses or commissions, you must also prove this.
If you are self-employed or your salary comes from multiple part-time jobs, it may be more difficult to qualify, but not impossible. If you are self-employed, you may need to provide business documents such as income statements in addition to your tax return to complete your application.
What if you are a graduate just starting your career or returning to the job market after a hiatus? When you have a formal job offer on hand, lenders can often verify your job, as long as the offer reflects what you will pay. The same applies if you currently have a job but are about to have a new one. However, if you’re entering an entirely new industry, lenders may flag your application. So keep this in mind when making major changes.
Zure lan-historiaren hutsuneek ez zaituzte zertan deskalifikatuko, baina axola du hutsune horiek zenbaterainokoak diren. Esate baterako, gaixotasunagatik denbora epe laburrean langabezian bazaude, baliteke zure emaileari hutsunea erraz azaltzea. Hala ere, denbora luzez langabezian egon bazara (sei hilabete edo gehiago), baliteke baimena lortzea zaila izatea.
3. Aurreztu ordainketan
Gehiago aurrezteak hipoteka-tasa jaisteko aukera emango dizu, batez ere 20% ordaintzeko behar adina diru baduzu. Noski, mailegu-emaileek ordainketa txikiagoak onartuko dituzte, baina 20% baino gutxiagok normalean hipoteka-aseguru pribatua ordaindu behar duzula esan nahi du, hau da, 0,05%-tik 1%-ra edo urteko jatorrizko mailegu-kopurutik gorakoa izan daitekeena. Zenbat eta lehenago ordaintzen duzun hipoteka zure etxearen guztizko balioaren 80% baino gutxiagotan, orduan eta azkarrago kendu ahal izango duzu hipoteka asegurua eta hileko fakturak murriztea.
4. Choose a 15-Year Fixed Rate Mortgage
While a 30-year fixed-rate mortgage is common, if you think you’ve found a long-term home and have good cash flow, consider a 15-year fixed-rate mortgage to pay off your home faster. You also have the option of a 15-year term when refinancing your current mortgage. The current benchmark rate for a 15-year fixed-rate mortgage is 4.730%, according to Bankrate’s national survey of lenders.
Learn how to refinance your mortgage and whether it’s right for you with our free course.
5. Comparison store between multiple lenders
Hipoteka-tasa onena bilatzean, baita birfinantzaketa ere, egin beharrezko ikerketa zure egoerarako hipoteka-tasarik onena aurkitzen duzula ziurtatzeko. Ez hartu eskaintzen den lehen prezioa; merezi du aukerak. Ikerketa baten arabera, maileguek interes-tasaren eskaintza gehigarri bakarra jaso zuten eta batez beste $1.500 aurreztu zuten, eta bost jaso eta $3.000 batez beste aurreztu zituzten.
Begira ezazu zure bankutik edo kreditu-kooperatibatik haratago, hitz egin emaile anitzekin eta arakatu aukerak sarean.
“Buy and compare based on the credit evaluations you get,” Sanders said. “You don’t usually buy a car without a test drive first. Do a test drive before proceeding with the purchase.”
6. Lock your tariffs
The closing process can sometimes take weeks, and prices can fluctuate during this time. After you sign a home purchase agreement and get a loan, ask your lender to determine your interest rate. There is sometimes a fee for this service, but it’s usually worth it, especially in an environment where interest rates are rising.
Hurrengo urratsa
Once you’ve found the best loan quotes and rates and applied for a loan, you’re one step closer to your next mortgage. Here’s an overview of what to expect:
- Eskaera egin eta hiru eguneko epean, hipotekaren xehetasunak biltzen dituen maileguaren estimazioa jasoko duzu. Honek ordainketa-kostuen zerrenda barne hartzen du, baina oraingo kalkuluak dira, ez zenbaki sendoak. Zure kreditu-ebaluazioan sartzen denari buruzko galderarik baduzu, mailegu-emaileari argibideak eska diezazkiokezu puntu honetan.
- Your lender’s underwriting department will review your application to determine whether your mortgage will be approved. During this time, you may be asked to provide additional documents or answer questions. So be prepared and react. Take care of your finances and your job too – don’t take out new loans, make big purchases, or change jobs if you can avoid it.
- If your mortgage is approved, you’re close to closing. If your loan is rejected, it’s important to find out what factors influenced the decision. In general, you can always apply for another mortgage from another lender, but it’s wise to wait a little longer before it damages your credit.
As you approach your closing date, you will receive a closing disclosure with final loan terms, including your interest rate and closing costs. If you have determined a low price, please ensure that the price in this document matches your original offer. Keep in mind that rate locks are usually only for a specific period of time. Therefore, it is best to work with your lender to avoid delays in the closing process.
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