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Mortgage Denial Next Steps - Cressy & Everett Real Estate

Buying a new home is exciting! You've checked out available South Bend homes for sale, figured out your down payment, and have a mortgage pre-approval letter from a lender. You finally found the perfect home and it's time to get a mortgage. You apply, get excited, start packing and then you hear the two most dreaded words in the home buying process: "Mortgage Denied."

It happens. If you've been rejected for a loan, it can be jarring, but you can turn it around. The key is understanding the reason(s) why you were turned down, and how to fix any problems.

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Mortgage Approval College Grads-Cressy & Everett Real Estate

Student loan debt is a growing problem, and for many Americans thinking about buying their first home, the weight of that debt can be crushing. We believe that owning a home should be possible for anyone, and our real estate agents are here to help. 

According to a recent report by Forbes, student loan debt is at an all-time high in 2019, with 44.7 million U.S. borrowers collectively owing $1.56 trillion in student loan debt. If you're one of them, that debt can feel like an impenetrable barrier between you and your dream of becoming a homeowner. Here's why it's not. 

Getting a Mortgage With Student Loan Debt

Student debt is especially a problem for first-time home buyers, who tend to be younger and less experienced. Many student debt holders cite their debt as a major reason for putting off buying a home, despite today's historically low mortgage rates and the variety of low to no down payment mortgage options available. 

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Buying a Home - Read This Before You Apply for a Mortgage

Our real estate agents often hear from our new clients that the process of getting a mortgage is intimidating. That's understandable!

Having an experienced real estate agent on your side does a lot to make applying for a home mortgage manageable.

Even so, it's important to know a few things about the process. Once you learn more, you'll see exactly what you need to do to make things easier.

That can be just what it takes to make your worries evaporate. The truth is, most people learn getting a mortgage is quite a bit easier than they imagined. It just takes some preparation.

These four steps will make it easier:

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FHA Loan Pros & Cons
At Cressy & Everett Real Estate, our real estate agents are experienced in all of the many programs that help you buy a home. A variety of programs are available for first-time home buyers and prospective buyers with different needs.

Navigating these programs is not always easy, but the right expertise can help. One program that many people ask us about is the Federal Housing Administration loan (FHA).

FHA mortgage loans are intended to put homeownership within reach of first-time buyers. Even those who may have had financial difficulties in the past can succeed in securing an FHA home loan if they can meet some fairly straightforward requirements.

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FHA Loans
FHA Loans: Why Home Buyers Should Know 

For all its rewards, the process of buying a home can certainly present its share of challenges. One of the biggest challenges is often securing a home loan. If you're a first-time home buyer, have less-than-perfect credit, or haven't been able to save up the recommended 20 percent down payment, our Cressy & Everett REALTORS® want you to know that you still have options.

For many home buyers, an FHA loan is one of the best among those options. It's one of the easiest types of home loans to qualify for, and while you should still not take out a loan without fully thinking out your options, it might be just the opportunity you need to make your dream of homeownership a reality.

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Pre-approval is your first step to buying a house
When you commit to the idea of buying a new home, you'll probably want to jump right into it. You'll want to search online listings, check open house schedules and track For Sale signs in your neighborhood of choice. These activities will play an important role in buying a house, but it's important to obtain a mortgage pre-approval as your first step. 

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Pay your home loan early

A home mortgage is a commitment that affects your financial picture for a good portion of your life. It's a big ambition, but paying off your home mortgage even a little bit early can save you thousands of dollars over time. Our real estate agents have put together this list of ways to pay your home off early.  

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