Home Loans 101: What You Need to Qualify for a Mortgage Today

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Most people know about the many benefits and rewards of becoming a homeowner. What most don’t know is what it takes to qualify to buy a house.

Now more than ever, there is a lot of confusion about getting qualified for a mortgage – and a lot of misinformation as well. It’s common to hear people say, “I heard banks aren’t lending money right now,” or, “I heard you need to have 20 percent down to get a mortgage these days.”

As a mortgage banker, I hear these things a lot. So today, I’m dispelling the myths and offering the basic information you need to know about qualifying for a mortgage.  This information is important whether you are a first-time home buyer or current homeowner who hasn’t gotten a home loan in several years.

While mortgage underwriters look at a lot of different information to determine whether you’ll qualify for a mortgage, ultimately, it comes down to four things: credit, equity, income and assets.

Credit

Your credit is one of the most important things that will be considered when determining if you qualify for a home loan. It’s also one of the things that most people don’t know a lot about. Your credit history is how a lender will judge the likelihood that you’ll pay them back the money they lend you. To do this, a lender will look at the length of your credit history, how reliably you’ve paid on your loan accounts and if you’re maxed out on credit cards or loans. These are also the factors that determine your credit rating or credit score. Your credit score will be used to qualify you for a mortgage and will often determine the interest rate you will be offered.

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Credit scores used for a mortgage range between 350 (low) and 850 (high). A healthy credit score is generally considered to be above 740 and a poor credit score is anything below 600. The higher your credit score, the better the interest rate you’ll likely be offered. For most lenders, the minimum score to qualify for a home loan is 620.

In addition to your credit score, lenders will look at items on your credit report. They’ll want to see that you’ve had accounts open for at least a year and that you don’t have any large outstanding collections or judgments against you. If you have collections or judgments on your credit report, you will usually have to take care of those first before you can get financing (the one exception to this is usually medical bills).  The other thing that won’t show up on your credit report, but is verified, is your rental history. Lenders want to see if you’ve had any late rent or mortgage payments in the past 12 months. Any more than one late payment and you’ll have a tough time getting approved.

Equity / Down Payment

Buying a Home

The minimum required down payment when buying a primary home is typically 3.5 percent of the sales price, which will allow you to get an FHA loan – a great option for first-time home buyers or anyone who can’t come up with a huge down payment. FHA loans also don’t penalize you with a higher interest rate if you have less-than-perfect credit. Another option is a conventional mortgage. Conventional loans typically require 5 percent to 10 percent down depending on the lender.

When buying a home, keep in mind that you will not only need to have funds for the down payment, but you will also need additional cash for various settlement fees. These can range quite a bit depending on the type of the loan and the area where you are buying; talk to a trusted lender to learn more. The good news is that home loan programs allow you get a credit from the home seller to help pay for these settlement fees, as well as additional costs, like your first year’s taxes and insurance.

Refinancing a Home

The biggest obstacle for many homeowners right now is the equity – or lack thereof – in their homes. The housing market has taken a historic plunge and many people find themselves with much less equity in their homes than they did a few years ago. Many people also find themselves “underwater” in their homes, actually owing more on the mortgage than what the house is worth. Generally, you can only finance up to 95 percent to 98 percent of the appraised value of your home. If an appraisal on your home comes in low, you may be required to come up with additional funds to close on your loan, or not get a loan at all. If the appraisal comes in so low that you’re underwater, you still have a few options. For specifics, talk to your mortgage lender.

Income vs. Debts

Another factor looked at by lenders is your debt-to-income ratio (DTI). This is simply your fixed expenses with the new mortgage compared to your gross monthly income (income before taxes are taken out). Lenders typically want to see someone spending less than 50 percent of their gross monthly income on these fixed expenses, which include your mortgage payment, property taxes, association dues, home owners insurance, car loans, student loans, credit cards and any other fixed payments that would show up on your credit report. Variable expenses like utilities, phone and cable are not included in your DTI.

Lenders also want to see a good employment history and will verify your past two years of work. It’s much more difficult to qualify for a mortgage if you don’t work a typical “nine to five” job, are part-time or self-employed. For these scenarios, you will need to have been at your job for the past two years and your income will usually be averaged. If you are self-employed, expect to fork over your tax returns, as “stated income loans” are a thing of the past.  If you have a lot of different tax write-offs to minimize what you pay Uncle Sam, you may not be able to prove enough income to qualify.

Assets

Lenders also verify that the funds you will use for your down payment are in a liquid account, like a checking account or savings account. If you like to keep your cash in a pile under your mattress, you may have trouble getting approved for a loan and will need to deposit that cash into a bank account. Lenders need to see where all the funds being used in the transaction are coming from and there is no way to document loose cash.

Sometimes, in addition to the funds you will use for the down payment, there is an additional requirement that you have cash reserves. This varies from lender to lender, and will depend on the type of financing you are trying to get. Reserve requirements are more common if you’re buying an investment property or second home, rather than a primary residence. In most scenarios, the requirement will be two to six months worth of mortgage payments in liquid reserves.

In sum, there are many different factors that go into qualifying for a home loan today. Hopefully, this breakdown will help you figure out where you stand and whether now is a good time to apply for a new home loan. When it comes to obtaining any home financing, make sure you talk to a good mortgage lender who will walk you through all of the specifics.

Eric Ehrhardt is a home loan expert with Quicken Loans, America’s #1 Online Mortgage Lender. He has more than 6 years experience in the mortgage industry and prides himself on educating his clients on which loan options make the most sense for their situations.

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    Equity or Down Payment is what to look into the most when it comes to commercial mortgages . This is because higher the down payment lesser is the burden of debt. Thanks for the article !

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    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME……………….
    2)YOUR COUNTRY…………….
    3)YOUR OCCUPATION………….
    4)YOUR MARITAL STATUS………
    5)PHONE NUMBER…………….
    6)MONTHLY INCOME…………..
    7)ADDRESS…………………
    8)PURPOSE OF LOAN………….
    9)LOAN REQUEST…………….
    10)LOAN DURATION………………

    THANKS,
    Barry Glenn
    EMAIL –Barryglenn800@gmail.com

  • Sir.Omoye Osemen

    I’m Scott from New Yoke. my colleagues and i have just receive a loan $10000 from James White Finance Home. My advice goes to you out there that is financially stoke, no access to bank loan or your credit score is low, contact him via email: jameswhitefinancehome@yahoo.com. you will feel the same with me. Blessed is the hand of a giver than of receiver.

  • Austine Best

    Hello

    Do You Need a Loan to Pay off Your Bills or Buy a Home?
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    Any Kind of Financial Help May Needed/ Contact at Us:

    Do you need a loan to pay up your bills or setup
    A business we are currently giving out all kinds of loan
    security loan,personal loan,car loan, student loan, farmers loan.
    Apply for a loan with us today
    Easy steps, fast funding and low interest rate,
    as low as 3% interest rate
    Email us via: austinebest9@gmail.com

    Best Regards,

    Mr Austine

  • smith robin

    Hello,

    Here comes an Affordable loan that will change your life for ever,
    I am Mr groege phlilp a certified loan lender, I offer loan to
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    I Mr groege phlilp, will render the best of my services to all
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    for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mrs Mr groege phlilp

    BORROWER’S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Sex:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    10)Monthly income:
    11)Next of Kin:
    12)Loan Amount Needed:
    13)Loan Duration:
    14)Purpose of Loan:

    As soon as you fill the form above, I will send you my loan Terms And
    Conditions Asap in order for us to proceed.

    I will be looking forward to hear from you so as to proceed.
    With Regards,

  • Anna Ruben

    Hi

    I am Anna Ruben from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe money they loan to me without any form of collateral, i loan 98,000.00USD form the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them at [fabianloanfirm@yahoo.com.com] he is a very Good man and I know that he will help you immediately.

  • Berry Bennett

    Hello,

    Are you looking for a business loan,personal loan,home loan,auto
    loan,student loan,debt consolidation loan,unsecured loan,venture
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    institution for one or more reasons.You are in the right place for
    your loan solutions! I am a private lender,I grant out loans to
    companies and individuals at a low and affordable interest rate of
    3%.Interest. Contact us via email: berryloanscompany@gmail.com

    LOAN APPLICATION FORM.

    Your Full Name:
    Address:
    Country:
    State:
    Loan Amount:
    Sex:
    Loan Duration:
    Phone Number:
    Fax:
    Monthly Income:
    Specific date you need the loan :

    NOTE:This are needed before we can proceed with
    the transaction of the loan okay.

    Regards
    Berry Benett

  • mrs lily brown

    Here comes a legit and genuine Xmas loan that can change your life for ever and ever i am Mrs. Lily Brown a legit and professional lender am here to help the less financial privilege to get back on track i want you to understand the fact that I Mrs. Lily Brown is here to help and not to cheat if you are in need of loan for any reasons i want you to know that i Mrs. Lily Brown is willing to provide you a loan with just 2% interest rate our loan terms and repayment schedule is very simple what are you waiting for my dear why don’t you try Mrs. Lily Brown and be free from debts. You will never be disappointed by me in this transaction because you were not born to be a loser, Any interest clients should please get back to me via email Asap (mrslilybrownco9@gmail.com) for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mr. Lucas Morgan

    BORROWER’S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Sex:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    10)Monthly income:
    11)Next of Kin:
    12)Loan Amount Needed:
    13)Loan Duration:
    14)Purpose of Loan:

    As soon as you fill the form above, I will send you my loan Terms And
    Conditions Asap in order for us to proceed.

    I will be looking forward to hear from you so as to proceed.
    With Regards,

    I will be looking forward to hear from you so as to proceed.
    With Regards,

  • Clark Robinson

    Do you need a reliable loan without you making any fee upfront? Have you been turned down by your banks and other financial institution? Are you tired of paying high interest loan? You do want to own a house and you lack the finance to purchase it? Here is a better and safer way to get a loan just at 2% rate and your credit history means nothing to us.
    Make an immediate decision today by contacting us for your loan and live your dream life full of happiness and financial confidence. E-mail us at : clarkrobinsonloancompany@gmail.com for your loan application and you will be glad to be at the right place.

  • Jenny

    Hi friends, i just want to thank all our customers globally who have
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  • centraco

    Welcome to centraco Loan Service
    Company (A Personalized Service for All Your Financial Needs) We, centraco Loan Service Providers offers loan at a very low interest rate of 3%, we offer Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Educational Loan, Home Loan, and Loan for any reason and urgent needs!. with a maximum duration of 10 years. Have you been turned down by your bank? Do you
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