Building the perfect home requires many things, from the perfect materials to a commitment to making your home the way you want it. There is another element to the perfect home: the mortgage.
To find the right one for your family, here are some tips to help you when it’s time to purchase your new home.
Try to maintain consistent credit
As you approach your home purchase, try not to make changes to the credit you owe. This is even more true for the time period between your pre-approval and your closing date. These changes can impact your mortgage rate and fees associated with it.
In terms of credit cards and a car purchase you should not make any changes either. You should not open, close credit cards or buy a new vehicle.
It is important to keep everything organized during this time. Around two months before your purchase, consider having all your important papers organized. This includes, tax returns, bank stubs, paycheck stubs, and other investment information from the last two years together.
Keep Your Money Stationary
It is common for people to move around funds in order to pay bills and make sure there’s enough for thing. However, as you approach your home purchase, consider keeping those funds stationary. That means refraining from moving funds between your checking and savings accounts.
Keep your home purchase simple
To get the home you desire with the mortgage you want, it’s important for you to keep things simple and follow the tips to appease your mortgage company. Click here for more information about finding the perfect mortgage.
To speak with a Vancouver WA Home Builder who wants to help you move happily into home ownership, click here to contact Tuscany Homes today!