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Understanding Debt-to-Income Ratio: A Key Factor in Mortgage Approval

March 1, 2024 by Rilian Ball

When it comes to securing a mortgage for your dream home, there's a crucial number that can make or break your application: your debt-to-income ratio (DTI). Understanding and managing your DTI is essential for navigating the mortgage approval process smoothly. Let's delve into what DTI is, why it matters, and how you can calculate it. What is Debt-to-Income Ratio (DTI)? Your debt-to-income ratio is a financial metric that compares your monthly debt payments to your gross monthly income. Lenders … [Read more...]

Filed Under: Credit Scoring Tagged With: Credit Score, Debt to Income, Mortgage

Speed Your Mortgage Approval up by Following This Checklist

November 14, 2023 by Rilian Ball

Have you finally found your dream home after months of searching, and then you are told that the seller has received other offers? No buyer wants to find themselves in a bidding war against another buyer as it is a stressful situation. Being unprepared and not having your finances in order will make it even more stressful. Here are a few quick ways if you're looking to speed up your mortgage approval process, here's a checklist to help you … [Read more...]

Filed Under: Mortgage Application Tagged With: Credit Score, Mortgage, Mortgage Approval

Will Getting a Mortgage Help My Credit Score?

November 2, 2023 by Rilian Ball Leave a Comment

Getting a mortgage can potentially help your credit score, as long as you make your payments on time and in full each month. Payment history is one of the most important factors that influence your credit score, so consistently making your mortgage payments on time can have a positive impact on your credit score over time. It is important to carefully consider the financial implications of taking on a mortgage and to ensure that you can afford the payments before proceeding. It is also … [Read more...]

Filed Under: Credit, Homeowner Tips Tagged With: Credit Score, Home Mortgage Tips, Mortgage Applications

The Impact of Your Employment History on Mortgage Approval

July 11, 2023 by Rilian Ball

When it comes to applying for a mortgage, lenders take various factors into account to determine your eligibility. One crucial aspect they consider is your employment history. Your employment history provides lenders with valuable insights into your financial stability, income consistency, and ability to repay the loan. Lenders evaluate your income consistency to ensure that you have a reliable source of funds to cover your mortgage payments. They typically request pay stubs, W-2 forms, and tax … [Read more...]

Filed Under: Mortgage Tips Tagged With: Credit Score, Mortgage, Mortgage Loan

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Rilian Ball


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NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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