Top Mistake People Make When Applying for a Mortgage | Home Loan Application Mistakes
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- เผยแพร่เมื่อ 19 มี.ค. 2017
- Top Mistake People Make When Applying for a Mortgage | Home Loan Application Mistakes.
Rich Conlon with Atlantic Coast Mortgage joins real estate agent and Realtor Matt Leighton to talk about the top mistake people make when they apply for a mortgage.
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RIch Conlon
Atlantic Coast Mortgage
Loan Officer
703-217-9004
rconlon@acmllc.com
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Timestamps:
1:25 - Number one mistake when applying for a home mortgage
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Matt when your approval is successful how is the loan given to you? Is it put in escrow? Your bank account? Do you get only a percentage of it e.g. your approve for $200,000 do you only get a certain percentage of the dollar amount in cash?
I wouldn’t trust these two with holding my wallet.
And I wouldn't trust Kyler Murray in the NFL 😉
Haha
Lmaoooo
@@TheMattLeighton That didn't age well
@@folumb lol dang you're right. Kyler is crushing it
Man, Jesse from Breaking Bad is really making something of himself.
oh my god ahah
😂😂😂😂😂😂😂😂😂
Yeah! Pre-approval ... Bitch!
Very useful info. I was taken much more seriously with my pre-approval. The only other thing I would recommend is to try not to do credit based purchases or lending products until all things in purchasing the home is completely done. I've heard of lots of people buying furniture, TVs etc and it ended up dropping their credit score too low to close on the house
Thank you! That is great advice. You want to try to avoid big purchases while you are in the process of buying a house. Thank you for watching!
I’m in the mortgage loan officer in TN and this is always good advice. Pre-approval is the new “norm” and makes the process so much smoother. Some realtors won’t even take buyers to see homes if they aren’t pre-approved. In addition, it gives the buyer a realistic view of what they can or can’t comfortably afford.
Good job guys.
Thank you so much Shannon!
But if if you, the buyer, canr find anything within six month that pre approved letter can hurt your credit score..right?
Shanfella hi what would you need as proof of income if your self employed without a w2 and how many years worth of taxes would you need to see
How long does pre-approval stays active?
90 days
I think that point right there is probably the reason why people wait until the last minute. They don’t know that the preapproval last 90 days. In their minds they probably think it lasts for less time. This may be a point that you’ll want to bring up in any future videos about preapprovals. By the way, thanks for the videos....they are super helpful!
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Dam, Both of you guys shirt and tie combo make you look like loan sharks...
Y'all look like kids trying to make a hustle.
Thanks. What did you think of the actual content in the video?
Matt Leighton
It was Kool.
Thanks! We'll work on our outfits to appear less intimidating to not come across looking like loan sharks 😜
Matt Leighton
This isn't an insult, it's an admonition. You guys don't look intimidating, you guys look thrift store cheap and like you're out for a hustle versus substance.
Im not hating, I'm just saying. Good look 🏆👍🏾
Thought I was the only one thinking that. Learn how to dress!
What if someone only gets approved for a low loan and there are literally no houses for that price in the area you live in?
Kay Nicole move
@@mr.Kaynerobinson perfect answer. I can't believe that question is even real
I feel you girl, I love in San Diego making $55k a year and there isn’t crap out here. A boarded up crack house literally goes for at LEAST $300k.... my income would only qualify around $215k, it’s very frustrating. I graduate in 2022 so hopefully that will bring more $$$$!!
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Hello, it seems that the general consensus is that if you are looking to apply for a mortgage, it is best to limit your credit card applications a few years prior to applying for the mortgage. If someone has a credit score of 800 and monitors their score such that it never drops below say 785, would opening many credit cards (for the free bonus) adversely affect the chances of getting the mortgage?
The credit bureaus make it impossible to raise your scores.
Transunion has my score at 609.
It reads as follows:
√ NO collection's. I have had 0 collections for years.
*√ credit card utilization
22%. Under 30%. I carry a small balance of anywhere between 15-22% to show I use credit with responsibility.
√ No Bankruptcy or judgments.
√ no late payments
√ not a co-signer
√ longest held credit card 8 years and change.
All my student loans were paid off in 2001. Naturally not on my credit.
My car loan that I paid in full fell off my credit report last year, dropped my score rapidly.
My home I sold 3 years ago is not on my credit report. I can't force the credit bureau to add back on, I've tried.
How can i have no collections for over 8 years, none on my report, using credit as advised, keeping under the 30%, no derogatory remarks at all and still have a 609 score?
If I pay my credit cards off or 1500$ less, my credit score will raise 50 points (avg) if I use 300$ after paying 1500$ my score will drop by 40 points.
I have disability for life, due to a spinal cord dieses, I worked from age 15, making minimum wage in 1982 of 3.15 hour. I ended my career making a salary of 45,000 year, I earned a bonuses on avg of 15,000$ year that did not apply to my disability amount.
I make 890$ disability for life, 525$ alimony for life, a total of nearly 15,000 year.
I do not receive food stamps, I donate blood twice a week @ 85$ each donation. I put money into savings every two weeks, even if it's 10$ that week..I always put something into savings.
I do not have dependents.
I applied for a house in Colorado three months ago with a 650 credit score, (it'll be lower this month bc I used my credit card and paid my medical fee of 130$ after leaving my debit card at home a 400 mile RT).
a family home for 45,000 or 55,000. I need to make some handicap changes to the house, the house appraised for over 125,000$.
In Colorado the prices of homes have gone over 40% in value, a home will sell in a week, above the over-inflated asking price.
I can put 3.5% down, my brother who is selling me the house will pay closing costs. My origination fees are quoted at 1250$ on a 44,000 loan!
Still I can't buy the house due to multiple reasons.
I'm told I don't have a loan over 75,000, not worth the effort for any broker in Colorado.
I have been refused from USDA, CHAFA, (FHA) and NACA is a joke. I've been on their list half a year without any follow-up from their side, NACA is an organization I suggest not buying into their hype.
I'm told that my DTI is too high, yet CHAFA, and FHA both allow up to 50%. I'm at 43% which includes the P&I, PMI (rip off), taxes, insurance and my current debt. I can not included an additional 500$ month I receive from past due alimony that's figured to last for over 10 years.
Yet;
I can apply for tax payers to help me live in low income apartments, make sure an investor makes over 700$ monthly by subsidising rent that is over 1200$ month!!
395$ would pay my house payment and escrow.
But, there is a two, and three year waiting period due to Colorado selling for more than the avg Coloradoan income. California, Oregon, some higher priced states are buying Colorado with spare change, while greed fuels the native Coloradoan to sell for ridiculous high prices, were becoming silicone valley, natives no longer can afford housing.
I don't know what I'm doing wrong with my loan. I watch videos, I read, I have seen I do qualify but I'm rejected by every source.
Makes as much sense as my transunion credit score!!
Im uncertain how other disabled ppl live, or buy a house??
Please let me know any wisdom from anyone reading who's gone through or going through the same problem as I.
Thanks so much.
U
@@internationalpug1318 your issue with credit is a couple small things and one big mentality problem concerning credit.
First. You've been suckered into the trap of believing your credit card needs a balance over 10%. No. There are 4 phases of credit utilization based on 100% possible utilization
Low utilization 1-10%
At this percent your credit will increase every month that your card reports a balance this low. The increase won't be big but steady over months.
Medium/average usage 11-30%
At this percentage your credit more or less stays the same, doesn't drop but doesn't rise. This was your problem with credit cards not raising your score when used right. I'm guessing your not paying it back to zero often enough most likely because of your restricted income situation. I recommend you pay more often as you can and keep balances always under 10% if you can't understand when the balance is being reported to the bureaus which is 1000% understandable and okay but you have to learn and move forward. If not you may not have enough money in this expensive future to continue living and that's a no go.
Next
You don't have enough credit diversity to show that you can mentally responsibly handle multiple forms of credit at the same time. You need 9 varying forms of credit coexisting at the same time to hit best possible rating for a small chunk of what comprises your credit score. I suggest credit strong for a small very inexpensive loan ($15 per month) but it is for 10 years but you not only gain the variety of the loan itself reporting but you also get the length of the loan itself averaging your loans out longer and after 10 years you should have a mortgage doing the same job when they fall off plus you get a grand back for each loan while they keep relatively the same amount. Not a bad tradeoff if it helps achieve a mortgage when it's needed.
Idk what credit card you have but I also recommend self Inc as they've helped me turn what you described as my credit experience for 10 years prior to last year until they've helped me turn things around for myself by doing it myself. I literally just opened my envelope to my unsecured capital one card(who ironically were the very first to decline me and start my credit downwards spiral for me so long ago)
Moral of the story
Fail but learn from it.
And as less brown says
Someone else's description of you never has to be your reality unless you let it be.
Ain’t gonna lie these two look hella shady 😂😂😂
😂😭
How about when you apply for like Acima to buy Christmas gifts in November and apply for home loan in December but then this Acima hits credit report in January during my underwriting time will this hurt?
“Uhm..”
I am pre approve for better mortgage, M&T Bank, Lakeland Bank, Rocket mortgage, a broker and even NACA as a non priority member. Whenever I reach out to get some information on a home, the realtor always ask me to be approve by their landers. What should I do?
preapproval is the first thing you do.
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Awesome 👌
I have given some thought to this too. Thanks for sharing.
Thanks for the help!
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Thank you for your various videos....very informative!!!!
Thank you so much for watching!
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Thank you for this great video, very informative. Keep it up
Thanks for watching!
I work at a bank. Why wouldn’t I just write own loan contract?
If you literally work for a bank, I think that would be a good reason to go with a bank for your mortgage. Thanks for watching!
These comments are so cruel. I am sorry you have to deal with that. Thank you for your help.
Thank you! It's all good. Nothing but love from me
Thanks, Matt and Rich, for the wealth of knowledge. When applying for multiple mortgage applications in one day, are you charged fees for each one. Is it pre-approvals, quotes, or actual applications, and how does that work?
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@@user-jx3if1xn7g Thanks for the information. I have two pre-approvals in hand. And I applied for them within recommended two weeks, which only counts as one hard inquiry.
informative , thank you
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If you apply for a lot of credits cards before applying for a loan can that prevent you from getting the loan ?
Yes it could
Yes, if your credit is bad it might bite you.
Why do I feel like you guys are scamming me lol
Been waiting for a preapproval with my credit union since 6/27 Why does this proces take so long?
Because you're using a credit union. It will take 72 hours or much less with any local lender
They are understaffed or don't know what they are doing. Local brokers will give you a much higher rate and you pay more in costs, but they often get deals done quicker. This is coming from a loan officer of 15 years who current works at a big bank. Depending on your loan amount, banks offer the lowest rate and least fees. It's just a matter of preference.
Yeah the aquamarine shirt is a distraction.. sorry if I'm piling on... info is good starter information.
Why do y’all look like you’d PM me on FB about how I could make millions working from home?
Lol, that would be Bob Procter & the Rich Dad scam artist, all about getting money from your pockets! Money will burn in hell... maybe that's what keeps the fires burning!
@HoneyBadger Maldog - ..but then again why do they SOUND like they’re telling you something that may be beneficial for you to know when applying for a mortgage? Come to think of it, why are their clothes more important to you than the benefits they provide? And lastly, why was it more important to you to be funny even at someone else’s expense? Soooo many questions...not just about them but mostly about your actual character and who you’ve shown yourself to be. Good job! 👍🏽
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I'm married but my husband lives abroad i would like to buy home By my self now. My husband he will be here next year. My question is... after I buy a home can I add him on my mortgage after he came here in USA? He can be joint mortgage? Or we have to buy another home.
I was pre approved on a house but i just made a purchase of 955.00 for a bed will that become an issue ?
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No its a laydown device it wont count against you neither will using credit cards for hookers, happy endings and chicken wings
Thanks
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Why does he always say "local lender"? What's the difference between a local lender and an online lender?
Everything. You want a lender that you can talk to after business hours and on the weekend (when you're submitting your offer). Local lenders are significantly better than online lenders. When reviewing offers, sellers will oftentimes look to see if there buyer has a local lender.
Thank you for your reply. I'm working with a custom home builder who says I need to use a local lender. The rates I've received from local lenders are significantly higher than online lenders. When comparing apples to apples I'd save a minimum of $2,000 in closing costs and receive a lower rate. From what I've researched I can use any lender that I choose. In my case, do you still think it's better to go with a local lender?
@@KipKipHurray crickets
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Miami Vice 2.0
Suburbs.
It takes a village??? tf?
😂😂😂
Hi there!
Can an Uber driver get a home loan?
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Good video with information and ideas! Fellow ETX'n, Tyler
Uh uh uh um um uh uh um
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Get about ten hard inquiries six months before you apply.
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So should you get pre approved before home shopping
Yes
Matt Leighton would you have a better chance of getting approved for a loan if you put a large down payment like 40% down instead of 20% if you have a fair or a decent but Not so good credit
Matt Leighton and also would paying your mortgage 12 months in advance help your chances of getting approved
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Damn, people are so cruel.
I don’t even have good credit score
I see people who lie to get a mortgage and the loan officers turn a blind eye...I see it a lot in Central Florida...by the time it's too late they call me for financial advice...well you lied and I can't fix it. If they default on their mortgage, and it's found they lied to the mortgage company to obtain a loan, it is a Felony.
So pay it, refinance it honestly and don't fall behind
That's terrible. Lying to get a mortgage will catch up to you in the long run.
Yeah it's hard to get a mortgage with low credit
@Daniella Fluckiger yeah lots of people struggle with credit
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useful information
Pre qualified and pre approved - not the same thing.
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Uhhhh Before y’all ummm keep trying to sell Houses ,ummm clean up y’all self Uhhhh and learn some ummmm Good dressing codes Uhhhh
It takes a village? bye
Thanks for watching!
This says it's ' Top mistakes when applying for a mortgage".. How can the #1 thing be "waiting to get pre-approved? I think your buddy in the pink tie misunderstood the question and you rolled with it. The title is saying " applying for a mortgage ''. Not " Mistakes when Buying a house ". You know what I'm talking about, I see it on your face when he gives you the first answer. lol
I thought i was the only one that caught this . Lol. Like ummm yea thats kinda obvious dont go looking for a million dollar home and u can't even get a loan 🙄
Oh it's that easy ok
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Buying a house 101 or anything else you can't pay for with straight up cash. Go get yourself set up with a local credit union. There's a reason they are still in buisness!
Don't apply for a long, buy a home in full, 1. You'll realize how weak the economy is and how many years you have to work just to buy a home. 2.nd. if you get a loan all you're doing is shoving money up some billionairs ass, banks are owned by billionairs, you're making a billionaire richer
You’re right brother but people working for 28k, 35k, 45 to 50k don’t have 200k at best most have a few thousand in the bank so they need fha etc to get a house to move out of their roach infested apartment
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umm..... umm .... ummm. thanks for the advise!
+XplaneSerge haha. I'll have to work on my 'ummms'. Thanks for watching!
i was talking about the guy on the right lol
+XplaneSerge oh haha. Gotcha
where does the MONEY come from for the mortage????
The bank
That's why it would be faster to get a loan from a bank than from anywhere else...correct?
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To many "uh and ums"😂. Distracting bro. I recommend taking Toast Masters courses.
no money down is the biggest mistake. If you cant afford 20% down then you cant afford the place.
Keep in mind, situations are different. Like me, I have a household income of around 200k. My wife and I have 1 child but are close to having another. A perfect house fell in our lap and we couldn't pass it up as our current home is too small for 1 kid let alone 2. We only had a few months to get a down payment ready and because of that we can only put down 10%. The monthly payment isn't an issue but to put down 20% would be impossible
Andrew Hudson then you cant afford it. There is no guarantee that you will have that job long enough. At least with a big down payment and money saved you have a chance.
J Shysterr well with your logic no one can afford a home. Another 10% doesn't guarantee anything. You can save 20% then lose your job and be in the same boat.
Andrew Hudson no because theres a thing called unemployment insurance that could at least cover your mortgage but only if your interest is low enough by putting down 20%. If you cant afford 20% now then at least prepay it as soon as possible.
J Shysterr the only thing you save by putting 20% down is PMI (PMI is eliminated at 20%). The difference in interest rate would be minuscule if any. If you are in a position where you might lose your job at any given moment, maybe you should have chosen a different profession. And BTW, mortgage companies look at your level of education, profession, and employment history when determining what you can afford. An hourly worker regardless of savings and credit score wont be approved for the same home as a salaried worker with a lower score and less savings.
Regardless of how they look they spit truth ! 🙏 real talk thank you guys !
🙌🙌
What does that even mean? How they look?
2007tubes someone comment they look shady and untrustworthy
@@simplybows1 ah ok.
So distracted by him saying uhhh ummm alot
I hear ya. I'll tell him next time I see him 😉
Didn't notice till I read your comment now it bothers me too. Lol
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Um. Uh. Ummm.
Do you lend in Columbus ohio
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My guy in the blue shirt. Learn to formulate sentences. Saying uh, uh, uh every 0.5 seconds isn't very professional.
U gave one mistake and its not even relevant to the video smh . Yall probably work at taco bell
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Worthless information.
+129jaystreet Worthless comment.
Matt Leighton lmfoa
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ummm......umm.........umm...umm.......
I should have cut those parts out. Thanks for watching and thanks for your feedback
Um and um um um🤣
1:30 until any info comes out. One minute and thirty seconds of wasting our time, although I see some would argue this whole video is a waste of our time.
Sorry about that David. I'll work to make better videos in the future
Dont apologize, this is disrespectful! Oh well they watched, you got paid. Boom!
🦈
Top mistake people make, trust two guys that look like you two😭
Lots of rambling no real help one tip
Uuhhh
wwwoooooowwww...
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🤣🤣🤣🤣🤣🤣🤣uhhh 1000x
Y’all could have executed this video a little better. just a couple wienies in suits. haha!
Thanks for watching!
@@TheMattLeighton man I'm sorry your getting so much hate from these people. Great job keeping a positive attitude. It's a good showing of your character by not losing it to the internet trolls 😂 You will do well if you keep that attitude!
I gave u guys a thumbs down because you took too long talking about bs/introducing yourselves at the beginning and wasted my time
Thanks for the feedback Chris. Sorry we took too long to get to the point. We'll work on speeding things up next time. Thank you for watching!
But what about buying a train? I like trains..
You should definitely buy a train haha
I "um" this "um" that "um" yes "um" no "um" lmao noob!!
They really don't need the suits to make this video
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Top mistake people make doing these types of videos. Too much body/ chair movements. Stay still in your chair for one second . Jesus Christ
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You guys look wet behind the ears
We were 4 years ago...
How about when you apply for like Acima to buy Christmas gifts in November and apply for home loan in December but then this Acima hits credit report in January during my underwriting time will this hurt?