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The following article was published in our article directory on October 29, 2012.
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Top 3 Tips for Best Mortgage Rates

Article Category: Real Estate

Author Name: CSEOP

Even before you send out your mortgage application, it is advisable that you consider the following things and make it a point to apply them in an effort to get the best mortgage rates possible.

Review your credit.

When it comes to mortgage application, credit scores play a major role not only in determining the rates that you will be offered but the approval of the application itself. So, make sure to check out the credit report and assess what the score says about your financial responsibility and standing. Usually, a score that amounts to 650 and above can get you a good rate but with a higher score of 750 and above for instance, can definitely decrease your mortgage rates. In other words, it is much easier to avail of the best mortgage rates with an excellent credits core. It should be your aim then to either improve or maintain your current standing.

There are various ways by which you can give your score a boost. For instance, you can work on lowering the balance on your credit card at least 35 percent below the limit. You can also make the effort to pay the bills on time and keep your accounts constant. Moreover, if it is unnecessary to apply for credits, it would be best to postpone or avoid it altogether.

If there are certain errors in your record, make sure to have it corrected and your record updated. It is indeed important that you understand the gravity of the credits core in either pulling up or dragging down your chances of getting better rates. As a matter of fact, this is one of the information that the mortgage lender may request in sending out your queries or submitting your application.

Lower you debt.

Another aspect that lenders look at is your debt to income ratio. This allows them to determine the amount that you can afford to borrow and pay for. In other words, with more loans you have given a constant income gives you lesser chances of getting a good rate. On the other hand, individuals with a DTI of 30 percent or lower usually have the advantage of getting best mortgage rates.

In case your DTI is much higher than this preferred percentage, it is in your best interest to make the effort of paying some of your debt off. Start by settling the loans with small amounts or paying for your credit card balances. And when you decide to do the latter, do not close the account after paying it off. Otherwise, that will only serve to bring more harm than any good to your credit score.

In addition, you can also improve your DTI either by harnessing other income sources or finding a qualified and suitable co signer. With your income combined, it will certainly result to some improvements on the ratio.

Save up for a bigger down payment.

Another effective way of getting the best mortgage rates is to pay a larger sum or percentage of the mortgage as a down payment. Paying for more now can definitely help you decrease the rates and save more on the mortgage which is exactly what you want to happen.

Keywords: best mortgage rates,

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