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.
次の住宅ローンで最良の金利を得る方法
次の住宅ローンの選択肢を検討するときは、ローン申請を完了し、可能な限り低い金利が得られるように、できる限りの準備を整えておくことが最善です。
「3つの柱があります。信用力、収入（債務対収入比率に変換）、資産です」とアトランタのシルバートン・モーゲージ社長、ジョシュ・モフィット氏は説明する。
In each of these areas, the following steps must be taken to obtain the best possible mortgage rate.
1. クレジットスコアを改善する
クレジットスコアが低いからといって、必ずしもローンを組めないわけではありませんが、最低金利が得られるか、より高額なローン条件が得られるかの違いが生じる可能性があります。
“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.
スコアを改善するには、請求書を期日までに支払い、クレジットカードの残高を完済またはゼロにしてください。残高を持ち続ける必要がある場合は、残高が利用可能な信用限度額の 20% ～ 30% を超えないようにしてください。また、クレジットスコアをチェックして定期的に報告し、レポートに誤りがないか確認してください。間違いを見つけた場合は、住宅ローンを申請する前に修正するようにしてください。
2. 雇用記録をきちんと作成する
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.
職歴に空白期間があっても必ずしも不適格になるわけではありませんが、その空白期間の長さは重要です。たとえば、病気のために比較的短期間失業している場合は、貸し手に対してその空白期間を簡単に説明できる可能性があります。ただし、長期間（6か月以上）失業している場合は、許可の取得が困難になる場合があります。
3. 頭金を節約する
貯蓄を増やすと、特に頭金に十分な現金がある場合は、住宅ローンの金利を下げることができます。もちろん、貸し手はより低い頭金も受け入れますが、20% 未満の場合は通常、民間住宅ローン保険を支払う必要があり、これは年間で元の融資額の 0.05% から 1% 以上の範囲になります。住宅総額の 80% 未満の住宅ローンを早く完済すれば、住宅ローン保険から早く抜け出すことができ、月々の支払額を減らすことができます。
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
最良の住宅ローン金利を探すときは、借り換えの場合でも、自分の状況に最適な住宅ローン金利を確実に見つけられるよう、必要な調査を行ってください。最初に提示された価格に飛びつかないでください。試してみる価値はあります。ある調査によると、借り手は追加金利のオファーを 1 回だけ受け取った場合、平均 $1,500 を節約し、5 回受け取った場合、平均 $3,000 を節約しました。
銀行や信用組合以外にも目を向け、複数の貸し手と話し、オンラインで選択肢を検討してください。
“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.
次のステップ
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:
- 申し込み後 3 日以内に、住宅ローンの詳細を含むローン見積書が届きます。これにはチェックアウト費用のリストが含まれますが、これらは現在の見積もりであり、確定した数字ではありません。信用評価に何が含まれているかについて質問がある場合は、この時点で貸し手に説明を求めることができます。
- 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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