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Looking for a Mortgage? Know Your Options

by Ashlee Hovsepian

Buying a new home is an exciting time in everyone’s life, but it can also be one of the most stressful. Unless you have done it before, it is important to know your options when selecting a mortgage. There are multiple choices when choosing the type of mortgage that best suits you doing a little research first, can save you money in the future.

There are several things to consider when shopping for a
mortgage:

1. How long do you want to stay in this house?

2. Can you afford to make mortgage payments bi-monthly?

3. How is your credit?

Answering the questions above, will assist you in determining what type of mortgage is right for you.

How long do you want to stay in this house? If your answer is 15 to 30 years, you may want to consider a non-variable rate mortgage. With this type of mortgage, your rate will be set from day one, and unless you refinance, the rate will never change. If your answer is 5 to 10 years, you may want to consider a variable rate mortgage. This type of mortgage, usually gives you a lower set interest rate for the first five years and then the rate becomes variable after that. With a variable rate mortgage you will benefit from the lower interest rate during your first years in the house.

Can you afford to make mortgage payments bi-monthly? Some mortgage companies give you the option of making your mortgage payments either once a month or splitting it in half and paying it bi-monthly. By paying bi-monthly, you lower the total amount of interest paid on your loan and decrease the time to pay off your mortgage. A mortgage of 30 years may be shortened by quite a few years if you pay your mortgage bi-monthly.

How is your credit? Many times people believe that having bad credit will make it impossible for them to obtain a mortgage. This is not true. There are lenders that specialize in developing mortgage programs for people with poor credit. Initially, you may pay a higher interest rate then someone with good credit, but over time, if you make regular payments and slowly improve your credit, your mortgage rate may be lowered.

The process of obtaining a mortgage can be simplified if you know what you are looking for. So good luck shopping!

Ashlee Hovsepian is the successful publisher of Anything-Loans.com where you can find the right mortgage companies to finance your mortgage.

This article is also reprinted in the Linknet Real Estate Article Library.

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