HAÏTI - Opération : Arrestation de plusieurs bandits après avoir tué une dame - Ces bandits pleurent en pleine Audition (VIDEO)

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The traditional rule has been to spend roughly 1/3 of your monthly income on a mortgage payment. Some individuals and lenders will go as high as 45%, but more conservative institutions and individuals will want it to be more like 25% of your income.


Autres Dossiers : Don Kato reyaji sou bandi ki touye 4 moun CABARET, touye moun leogane ak Lakay Prezidan Jovenel...

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Qualifying for a Mortgages Loans

How Much House Can You Really Afford?

Before you even start thinking about qualifying for a mortgage with your financial institution, you need to decide how much debt you can afford. The best way to figure out how much house you can really afford is to base your decision on your monthly income. After all, you're going to pay your mortgage monthly, you pay your bills monthly, so it pays to know how much per month you can actually afford.
So if your monthly income is $3,000, you would be paying somewhere between $750 (25%) and 1350 (45%). Most financial institutions now have online mortgage and loan calculators, so visit your institution's website and see what it says before asking your institution about qualifying for a mortgage.
Also, when making this decision, seriously consider the possibility of being laid off or hit with a serious financial issue and don't over-extend yourself. Don't let other people pressure you, and only stick with a loan that you feel comfortable with. Finally, it pays to know your credit score when making this decision.

Know Your Credit Reports

When qualifying for a mortgage, the first thing the financial institution providing your loan will check is your credit score (FICO score) from the big three credit reporting agencies: Equifax, Experian and TransUnion. The higher your score, the more likely you are to get a loan and the lower your interest rates will be. This is because your score is supposed to correlate with your credit risk: higher scores translate to less risky loans for banks, so the bank can offer better terms for the loan when you have a high credit score.
The primary factors on your credit score are your outstanding debt, and your history of payments. If you have a large amount of outstanding debt, and have a history of paying late, expect a lower credit score. Check your score and clear up any errors before you file for a loan, not after.

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