With today’s low rates, are you thinking about buying your first home or refinancing your current one? Follow these steps to help you through the mortgage process:
- Complete an online application using this link: https://audreyspencer.zipforhome.com/
- Be responsive and stay in touch with your lender – Extra documents are normally required—be sure to promptly get any required documents back to your lender to keep the process moving forward
- Get your pre-approval and start shopping for what you can afford
- Be sure to have homeowner’s insurance lined up – Proof of insurance will be required before final approval
- Do not take out an additional debt – During the mortgage process you will want to avoid taking out any additional debt as this can change your debt to income ratio and affect your approval
- Do not change jobs without consulting with your lender first
- Be open and ask any questions you have during the process
