Are you all ready to take out a mortgage and get your first home? If so, congratulations on your decision to finally move out of your parent’s house. It was a difficult the decision on your part but you knew that it was coming sooner or later. Now that you are on your own, there are a few things that you need to know before you take out that first mortgage. According to a mortgage article, before you get your mortgage you need to know what to avoid. Here is the list of five things that should be avoided: Don’t take out other loans at the same time you are taking out your mortgage. Taking out even a car loan can significantly decrease your chances of getting approved. Avoid credit card debt. Your debt-to-income ratio is vital when you are applying for a mortgage, if you have a lot of open debt, you will not likely be approved for a home loan. Don’t miss any payments. Lenders access your risk by how many payments you have and if you make them on time. Missing payments such as car loans or credit cards, reveals that you are a risk and mortgage companies don’t want to deal with risks. Don’t use up all of your money saved on that down payment. Remember, there are also closing costs and such involved in getting your first home so don’t blow all your saved money on the down payment. Finally, don’t take a leave of absence or change jobs in the middle of getting your home loan. Most mortgage lenders want to see steady income before they even consider lending you money especially a lot of money such as a home loan.
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