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#86551
Do You Qualify For A Mortgage?
Posted by nick_niesen on October 29th [url=http://www.redskinsteamshop.com/Authent ... ns-Jersey/]Da'Ron Payne Jersey[/url] , 2010


A mortgage is a financial agreement between a lender and an individual that is hoping to purchase a home. The lender will pay for the home and the home buyer will need to pay the lender back, over the course of several years including interest. Not everyone does qualify to have a home loan like this but many do. This has become the standard way of purchasing a home in the United States. While it may not be the most affordable, as it is always more affordable to pay off the home in one payment, it is an easy process and one that can allow more people to own the home of their dreams.


What makes you qualify for a mortgage has a lot to do with the type of life you are leading financially. The lender of this home loan will want to make sure that you can actually pay for it. They will want to insure that the home will be able to be paid for today and into the future. To do this [url=http://www.redskinsteamshop.com/Authent ... ns-Jersey/]Landon Collins Jersey[/url] , they will look at several aspects of the potential home buyer.


The first thing that they will look at is the work history of the individual or individuals looking to purchase the home. They are looking to find out if they have employment and if they have had it over the course of their adult life. If they have steady employment, this is ideal as it shows that an individual is less of a risk of not being employed. Of course having a job shows that you have the money coming in so to pay off the home mortgage .


Next, the lender will look at the amount of money coming into the potential home buyer as opposed to what his bills are. Here, they are looking to make sure that there is enough income coming in to pay off the monthly payments that a home loan has. The debt to income ratio that they are looking for is vitally important because if there is not enough coming in [url=http://www.redskinsteamshop.com/Authent ... ns-Jersey/]Alex Smith Jersey[/url] , they are likely to default on the loan.

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