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Ways To Apply For A Mortgage

By Roberta Morrison

Even though lenders don’t seem to be too anxious to start landing again, here are a few tips on how to get a mortgage easy even in today’s market.

For many of us, it seems like only yesterday when virtually anyone could walk into a bank, and even without proving income we could pretty much walk out with a mortgage and in many instances we walked out with a mortgage we knew we couldn’t afford. With this type of lending it’s no wonder that the entire housing market collapsed right under us!

To be honest, however, there is no easy way to get a mortgage no matter what. Even though a credit score of 650 used to guarantee you a mortgage and a very decent APR, a credit score of 650 today will get you denied before you start.

A credit score of 800 or more isn’t much of a guarantee either. Even homeowners with income, liquid assets, and plenty of money in the bank, are being turned away in droves. And rarely are they given a reason for the denial.

That doesn’t mean that no one is getting a mortgage. In most instances, the people who are being approved are the ones who went to the table totally prepared and knowing what they were up against. One of the key factors that you need to have total control over is your credit report. Before approaching a bank to talk about a mortgage check out your own credit report before they do. If they see anything questionable they probably aren’t going to give you the option to fix it they will just deny you. And you’ll need to start all over again, possibly even being required to pay another mortgage application.

Head to them off at the pass! Order your credit report, go through it with a fine tooth comb, and make certain you agree with everything on there. If you do see a problem take care of it immediately. Once these problems have been fixed you can then start applying for a mortgage.

Once you are ready to apply for a mortgage, it’s a good idea to figure out what lender to go to. Asking friends and business who they used for their last mortgage is a good place to start. They most probably weren’t approved only because they had a job and good credit. One important factor in the entire equation is they went to a lender that was willing to actually lend.

Getting second mortgage for you is easy with this mortgage guide.

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Article Citation
MLA Style Citation:
Morrison, Roberta "Ways To Apply For A Mortgage." Ways To Apply For A Mortgage. 7 Oct. 2010. 27 Jul 2014 <>.

APA Style Citation:
Morrison, R (2010, October 7). Ways To Apply For A Mortgage. Retrieved July 27, 2014, from

Chicago Style Citation:
Morrison, Roberta "Ways To Apply For A Mortgage"

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