The 5 C’s of a Successful Mortgage Application

With house prices returning to levels that make it more attractive to invest in a home, it’s important to think about your options. This just might be the perfect time to consider purchasing a home of your own.

While owning your own home might represent an important and exciting change, there are considerable challenges to face in applying for a mortgage. Do you know what to expect?


There are certain requirements that are absolutely necessary, like having a strong credit history and being able to show you have the long-term ability to make payments on the loan.

At the same time, occasionally some issues get overlooked, like the down payment. Some banks offer no-down-payment mortgage loans, which might sound like a better idea than it is, as this could mean higher monthly payments or interest rates.

As you prepare to make this important decision, be sure to do your homework and make sure you meet ALL the requirements—as well as making sure you can prove it, on paper.

Need help proving your ability to pay on a home loan, or to get the best deal on your mortgage? Give us a call or shoot us a message! We’ve helped hundreds of families across the Tri-State area get into new homes.

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