|By PR Newswire||
|February 2, 2014 12:00 AM EST||
SAN DIEGO, Feb. 2, 2014 /PRNewswire-iReach/ -- LoanLove.com is a borrower advice website that provides detailed insights into the mortgage industry in a fun and entertaining way. The team at LoanLove.com is devoted to help empower both first time and experienced homeowners with valuable resources, first-class knowledge and connections to top-rated industry professionals and has the mission of helping consumers and borrowers to obtain the latest information on mortgage lending trends, the real estate market and the U.S. financial landscape in order to help them obtain a home loan that they will love. A recently featured article continues to provide support for home loan borrowers with a guide for first time home buyer pre approval.
The article states, "One of the most common mistakes first-time home buyers can make when shopping for a house is to enter into the process without an understanding of how much home they can afford. Seeking pre-approval not only keeps you from wasting time looking at homes outside your price range, but can keep you from the disappointment of finding a home you truly want, only to find you can't afford it. Instead, you can limit your search to homes and neighborhoods within your means. In addition, once you are ready to put in an offer on a home, sellers will take you more seriously and often give your offer priority over similar terms without pre approval."
Loan Love then gives some advice on gathering the necessary paperwork, reviewing and improving credit and improving debt-to-income ratio (DTI). Concerning the last step, Loan Love says, "While you may find it difficult to do much about your income level, you may be able to do something to decrease your debt. Your lender will be analyzing your overall debt, including minimum credit card payments, student loan payments, and car payments, to come up with your overall debt-to-income ratio. Decrease your overall debt by paying down credit cards and loans prior to the preapproval process."
Lastly the article reminds new home buyers, "Preapproval does not guarantee you will receive a loan. Once your offer is accepted on a property, the home will need to be appraised and your lender will need to formally approve your loan if all qualifications are met. But first time home buyer pre approval does bring you much closer to final loan approval and offers significant advantages in the home-buying process."
For more information on obtaining first time home buyer pre approval, please click here to read the full article on LoanLove.com.
Media Contact: Kevin Blue, LoanLove.com, 949-292-8401, [email protected]
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