{"id":41058,"date":"2020-05-01T12:16:14","date_gmt":"2020-05-01T20:16:14","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=41058"},"modified":"2023-02-17T08:52:08","modified_gmt":"2023-02-17T16:52:08","slug":"how-to-get-a-mortgage-home-loan","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/how-to-get-a-mortgage\/","title":{"rendered":"How to Get a Mortgage"},"content":{"rendered":"<p>Whether you\u2019re a first-time homebuyer or you\u2019re looking to move into your second home, buying a home is a big financial decision.<\/p>\n<p>It can also be somewhat complex, so to make it easier to navigate, you\u2019ll want to know what to expect. Following this guide will help you learn how to get a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/what-is-a-mortgage-loan\/\">mortgage<\/a>.<\/p>\n<p><b>How to get a home loan \u2013 step by step:<\/b><\/p>\n<ol>\n<li><a href=\"#estimate-your-home-budget\">Estimate your home budget<\/a><\/li>\n<li><a href=\"#review-your-credit-report\">Review your credit report<\/a><\/li>\n<li><a href=\"#get-preapproved\">Get pre-approved<\/a><\/li>\n<li><a href=\"#shop-around-for-mortgage-rates\">Shop around for mortgage rates<\/a><\/li>\n<li><a href=\"#negotiate-home-purchase-details\">Negotiate the home purchase details<\/a><\/li>\n<li><a href=\"#complete-full-mortgage-application\">Complete the full mortgage application<\/a><\/li>\n<li><a href=\"#get-approved-by-underwriter\">Get approved by an underwriter<\/a><\/li>\n<li><a href=\"#prepare-for-closing\">Prepare for closing<\/a><\/li>\n<li><a href=\"#close-on-your-mortgage\">Close on your mortgage<\/a><\/li>\n<\/ol>\n<p><a name=\"estimate-your-home-budget\"><\/a><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-41067 size-full\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01.png\" alt=\"how to get a mortgage\" width=\"1475\" height=\"590\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01.png 1475w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01-600x240.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01-1200x480.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01-768x307.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01-300x120.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/mortgage-flow-chart-01-150x60.png 150w\" sizes=\"(max-width: 1475px) 100vw, 1475px\" \/><\/p>\n<h2>1. Estimate your home budget<\/h2>\n<p>Once you know your credit is on-par for a mortgage, it\u2019s time to figure out how much house you can afford. To do this, you\u2019ll need to estimate your full purchase price, down payment, and monthly costs.<\/p>\n<p>The monthly <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/cost-to-buy-house\/\">costs of owning a home<\/a> are very different from renting. You\u2019ll have to pay your mortgage principal and interest, property taxes, homeowner\u2019s insurance, and any maintenance and any homeowners association fees. Many well-intentioned <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/first-time-homebuyer\/\">first-time buyers<\/a> are surprised by the cost of taxes, insurance, and repairs. A good estimate helps you avoid overspending.<\/p>\n<p>See what your estimated monthly payment will be using our mortgage calculator below.<br \/>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"250000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"6\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Fixed loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"30\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n    home    loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    mortgage.\n  <\/p>\n\n  \n  <div class=\"cta\">\n    \n  <\/div>\n\n<\/div>\n<\/div>\n\n<p>To avoid the added cost of private mortgage insurance (PMI), you\u2019ll want to put down at least a 20% down payment. Check out this handy <a href=\"http:\/\/calculators.freddiemac.com\/response\/lf-freddiemac\/calc\/home17\">calculator from Freddie Mac<\/a>.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Good to know: <\/b>Some lenders and loan programs are designed to help people buy a home with less than 20% down. While this is a common method to buy a home, a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-much-down-payment\/\">lower down payment<\/a> leads to a higher monthly mortgage payment and the added cost of private mortgage insurance.<\/div><\/div>\n<p><a name=\"review-your-credit-report\"><\/a><\/p>\n<h2>2. Review your credit report<\/h2>\n<p>The first step in <a href=\"https:\/\/www.credible.com\/mortgage\">getting a mortgage<\/a> is checking your credit. Your credit is a major factor in getting approved for a mortgage, so you should start by making sure your credit is on-track for mortgage approval.<\/p>\n<p>A credit score in the mid-700s or higher can get you the best interest rates, according to the <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/buying-home-first-step-check-your-credit\/\">CFPB<\/a>. If you have a score below 620, however, you might struggle to get approved. If you want to improve your credit before moving forward, learn more about how to build or repair your credit to improve your approval odds or help you get a better rate.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Don\u2019t waste time: <\/b>Find out how you can <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/improve-credit-score\/\">improve your credit fast<\/a>.<\/div><\/div>\n<p><a name=\"get-preapproved\"><\/a><\/p>\n<h2>3. Get pre-approved<\/h2>\n<p>Once you\u2019ve narrowed down your list of preferred lenders, it\u2019s time to get pre-approved. This is a less-thorough approval process than you\u2019ll deal with later, but it gives you the green light to make a solid offer on a home. If pre-approved, you should get a pre-approval letter from the lender telling the seller that you\u2019re good for a purchase up to a certain limit.<\/p>\n<p>Note that <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval-vs-prequalification\/\">pre-approval is not the same as prequalified<\/a>. Prequalified is better for buyers who have not yet started looking at properties. If you\u2019re serious about buying, you should get a full pre-approval.<\/p>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval\/\"><b><i>How to Get a Mortgage Pre-approval<\/i><\/b><\/a><\/p>\n<p><a name=\"shop-around-for-mortgage-rates\"><\/a><\/p>\n<h2>4. Shop around for mortgage rates<\/h2>\n<p>Because mortgages are typically so big, a difference in rates can lead to a difference of tens of thousands of dollars over the life of your loan. That\u2019s why it\u2019s important to shop around for the best mortgage rate for your situation. When comparing lenders, focus on finding the lowest interest rate and lowest closing fees.<\/p>\n<p>Credible makes comparing multiple lenders quick and easy. You can review our partner lenders in the table below in three minutes.<\/p>\n<div id=\"purchase-rate-table\">\n  Loading widget - purchase-rate-table\n<\/div>\n\n<p><a name=\"negotiate-home-purchase-details\"><\/a><\/p>\n<h2>5. Negotiate the home purchase details<\/h2>\n<p>Now it\u2019s time to get into the nitty-gritty of the home loan process. You\u2019ll work with your trusted real estate agent to make an offer and negotiate the best price.<\/p>\n<p>Next, you\u2019ll lock in the final price and any <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/seller-concessions\/\">concessions from the seller<\/a>, for example helping with closing costs or making repairs before the sale. This is one of the most important steps in controlling your costs when purchasing a home.<\/p>\n<p><b><i>Find Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-buy-a-house\/\"><b><i>How to Buy a House: Step-by-Step Guide<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<p><a name=\"complete-full-mortgage-application\"><\/a><\/p>\n<h2>6. Complete the full mortgage application<\/h2>\n<p>Once your offer has been accepted, it\u2019s time for the full <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-apply-for-mortgage\/\">mortgage application<\/a>. This is a very detailed form that asks about your income, savings, monthly expenses, and other questions to ensure you\u2019re able to afford the mortgage if approved.<\/p>\n<p>Make sure to be thorough and detailed. Skipping a section or making a mistake could lead to a declined application which could lengthen the homebuying process.<\/p>\n<p><a name=\"get-approved-by-underwriter\"><\/a><\/p>\n<p><em><strong>Read On: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-qualifications\/\">Mortgage Qualifications: How to Qualify for a Mortgage<\/a><\/strong><\/em><\/p>\n<h2>7. Get approved by an underwriter<\/h2>\n<p>Your mortgage agent will hand off your application to the underwriting team \u2013 a group of number crunchers who make the final approval decision for your loan. It\u2019s possible you\u2019ll see requests for financial statements, pay stubs, tax returns, and other supporting information. Try to hand this information over as quickly as possible to expedite your loan approval and closing.<\/p>\n<p>Here are some steps that take place during the underwriting process:<\/p>\n<ul>\n<li><b>Inspection: <\/b>An inspector comes to the house at your expense to make sure everything is in good working order. You might be able to back out of the purchase based on a bad inspection or might want to request additional repairs.<\/li>\n<li><strong>Appraisal:<\/strong> The lender will send an appraiser, at your expense, to take pictures and compare to other nearby home sales to make sure they are not lending more than the property is worth.<\/li>\n<li><strong>Credit review:<\/strong> The underwriter will take a deep-dive look at your credit report and monthly payment obligations to ensure you\u2019re a good risk and can afford the loan.<\/li>\n<li><strong>Employment and income review:<\/strong> A lender wants to know you are employed and confirm the income you receive monthly. Your recent employment history and recent pay stubs can help satisfy this requirement.<\/li>\n<\/ul>\n<p>If you\u2019re self-employed, you might have to give copies of your business financial reports as well. Don\u2019t be surprised if you get multiple requests as the underwriter combs through your application details.<\/p>\n<p><a name=\"prepare-for-closing\"><\/a><\/p>\n<p><em><strong>Find Out: <\/strong><\/em><\/p>\n<ul>\n<li><em><strong><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/underwriting-process\/\">How Does the Mortgage Underwriting Process Work?<\/a><\/strong><\/em><\/li>\n<li><em><strong><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/manual-underwriting\/\">Manual Underwriting: Could It Help You Buy a Home?<\/a><\/strong><\/em><\/li>\n<\/ul>\n<h2>8. Prepare for closing<\/h2>\n<p>You\u2019ve made it to the home stretch! You should get the news that your loan is approved or conditionally approved waiting on some additional forms or criteria. If you\u2019re conditionally approved, hurry up and meet those conditions. Here are some steps to take before closing:<\/p>\n<ul>\n<li><b>Put it on the calendar: <\/b>Get your closing scheduled and clear your calendar. Closing can take an hour or so as you sign your name 100+ times.<\/li>\n<li><strong>Arrange payment:<\/strong> Your down payment and other fees will have to be covered by bank wire or cashier\u2019s check. Work with the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/title-company\/\">title company<\/a> if you have any questions.<\/li>\n<li><strong>Buy insurance: <\/strong>Lenders require homes to be covered by a minimum level of homeowner\u2019s insurance. Shop around and have a policy ready to go on closing day.<\/li>\n<li><strong>Review closing disclosure:<\/strong> The lender will give you a closing disclosure and closing documents ahead of signing. Take the time to review everything for errors and make sure you know what you\u2019re signing.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Taking the time to prepare for closing helps you avoid any surprises and makes sure the closing goes through without any problems.<\/div><\/div>\n<p><a name=\"close-on-your-mortgage\"><\/a><\/p>\n<h2>9. Close on your mortgage<\/h2>\n<p>It\u2019s the big moment. Show up to your closing and sign your paperwork. The only people that have to be present for closing are you (plus a cosigner if applicable) and a notary. However, someone from the title company, lending company, and your agent might be there as well.<\/p>\n<p>Plan on showing your ID, if not two, and signing and initialing multiple forms. Closing documents with a mortgage can easily be over 100 pages. You won\u2019t have to sign every single one, but you\u2019ll feel like a celebrity with a tired hand after signing so many autographs.<\/p>\n<p>When you sign on the last line, the home is yours! If all went well, you might even get the keys at closing.<\/p>\n<p>Congrats on being a homeowner!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you\u2019re a first-time homebuyer or you\u2019re looking to move into your second home, buying a home is a big financial decision. It can also be somewhat complex, so to make it easier to navigate,&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-get-a-mortgage\/\">Continue reading<\/a><\/p>\n","protected":false},"author":96,"featured_media":41065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1553,1463],"tags":[1535,1524,1521],"class_list":{"0":"post-41058","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-first-time-homebuyers","8":"category-mortgages","9":"tag-homebuying-guide","10":"tag-mortgage-purchase","11":"tag-mortgage-rates-sidebar","12":"how-to-get-a-mortgage-home-loan","15":"post_tag-homebuying-guide","16":"post_tag-mortgage-purchase","17":"post_tag-mortgage-rates-sidebar"},"acf":[],"yoast_head":"<!-- This site is optimized 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