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.
Kako dobiti najbolju kamatnu stopu na svoju sljedeću hipoteku
Kada razmatrate opcije za svoju sljedeću hipoteku, najbolje je biti što je moguće spremniji da ispunite svoj zahtjev za kredit i dobijete najniže moguće kamatne stope.
"Postoje tri stupa: vaša kreditna sposobnost, vaš prihod (preveden u omjer duga i prihoda) i vaše bogatstvo", objašnjava Josh Moffitt, predsjednik Silverton Mortgagea u Atlanti.
In each of these areas, the following steps must be taken to obtain the best possible mortgage rate.
1. Poboljšajte svoj kreditni rezultat
Niži kreditni rezultat ne sprječava vas automatski da dobijete zajam, ali to može biti razlika između dobivanja najniže moguće kamatne stope i skupljih uvjeta zajma.
“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.
Kako biste poboljšali svoj rezultat, platite svoje račune na vrijeme i otplatite ili eliminirajte ova stanja kreditne kartice. Ako morate imati saldo, provjerite da saldo ne prelazi 20% do 30% vašeg dostupnog kreditnog ograničenja. Također, provjerite svoj kreditni rezultat i redovito ga izvještavajte te potražite pogreške u izvješću. Ako pronađete bilo kakve pogreške, poradite na njihovom popravljanju prije podnošenja zahtjeva za hipoteku.
2. Dobro vodite radnu evidenciju
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.
Praznine u vašoj radnoj povijesti neće vas nužno diskvalificirati, ali je važno koliko su te praznine duge. Na primjer, ako ste nezaposleni relativno kratko vrijeme zbog bolesti, možda ćete moći lako objasniti nedostatak svom zajmodavcu. Međutim, ako ste bili nezaposleni duže vrijeme (šest mjeseci ili više), može biti teško dobiti dozvolu.
3. Uštedite na predujmu
Veća ušteda može vam omogućiti nižu stopu hipoteke, osobito ako imate dovoljno gotovine za predujam od 20%. Naravno, zajmodavci će prihvatiti niže predujmove, ali manje od 20% obično znači da morate platiti privatno hipotekarno osiguranje, koje može biti u rasponu od 0,05% do 1% ili više od izvornog iznosa kredita godišnje. Što prije otplatite hipoteku na manje od 80% ukupne vrijednosti vašeg doma, to ćete prije moći izaći iz osiguranja hipoteke i smanjiti svoje mjesečne račune.
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
Kada tražite najbolju stopu hipoteke, čak i refinanciranje, napravite potrebno istraživanje kako biste bili sigurni da ćete pronaći najbolju stopu hipoteke za svoju situaciju. Nemojte prihvatiti prvu ponuđenu cijenu – vrijedi pokušati. Prema jednoj studiji, zajmoprimci su dobili samo jednu ponudu dodatne kamatne stope i uštedjeli u prosjeku $1,500, a dobili su pet i uštedjeli u prosjeku $3,000.
Pogledajte dalje od svoje banke ili kreditne unije, razgovarajte s više zajmodavaca i istražite mogućnosti na internetu.
“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.
Sljedeći korak
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:
- U roku od tri dana od podnošenja zahtjeva primit ćete procjenu kredita koja uključuje pojedinosti o hipoteci. Ovo uključuje popis troškova naplate, ali ovo su trenutne procjene, a ne čvrste brojke. Ako imate pitanja o tome što je uključeno u vašu kreditnu procjenu, u ovom trenutku možete pitati svog zajmodavca za pojašnjenje.
- 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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