Reasons your mortgage was declined
获得抵押贷款的道路并不总是一条直线.
According to a National Association of REALTORS® survey, about 30% of potential home buyers, who don't currently have a home, think they'd have trouble qualifying for a home loan. 你的一段财务历史可能会阻碍你的抵押贷款. 这里有一些人们不被批准抵押贷款的常见原因.
Common mortgage denial reasons
- Your credit score is too low. 拿出你自己的信用报告，也被称为软查询，不会影响你的信用评分. 事实上，定期检查你的信用报告是一种负责任的金融行为. You are entitled by law to one free report 三个报告局每12个月一次. 请记住，如果贷方提取你的分数来批准一个新的信用账户, it is a hard inquiry and can lower your credit score. You typically have to authorize this process. 积极影响你的信用评分的最有效的方法是按时偿还债务.
- You have too much debt. The sum of your debt payments each month, including your current mortgage, 应该少于你月总收入的35%到40%吗. 你减少债务的最好计划是制定一个还债的计划. Remember, closing a credit account lowers your available credit, which can raise your debt-to-credit, 也被称为信用利用率，因此降低你的分数, especially if you carry balances on other cards.
- Your loan amount and home appraisal value don't match. 选择包括第二次评估或换一家贷款机构. If you buy a home, it shouldn't cost more than 2 to 2.5 times your household income, 理想情况下，你的抵押贷款不应超过房屋价值的80%，以避免支付抵押贷款pp王者电子官网. 考虑在购买协议中加入一项应急条款，允许你在贷款无法偿还时退出, the home doesn't appraise at its sale price, or you lose your job.
- You've applied for too many credit cards. 在申请任何其他类型信贷的六个月内申请抵押贷款可能会影响您的信用评分. 在连续开几个账户之前，先分析一下你的情况. Opening too many accounts quickly, 多次信用查询会使你的信用评分下降, 对于那些信用账户少或信用记录短的人来说更是如此.
- 你的工作经历参差不齐，或者收入变化很大. 一致性是关键:贷款机构通常要求至少两年的纳税申报表，这样他们才能符合监管准则，以核实稳定的就业和收入. Before you start your home search, 与贷款人或抵押贷款经纪人会面，确定你有资格借多少钱. 有资格预审信在手可以让你安心, the seller, and your real estate agent.
- You don't have a down payment. 如果不能节省3%到20%的购买价格，预计审批会遇到障碍. 你需要付的首付款数额会根据房子的大小而有所不同, its location and the type of mortgage you seek. 一些贷款机构可能会提供低首付的贷款项目, but may require mortgage insurance, which will increase your total monthly obligation. Discuss your options with your lender.
Your best bet? Thoroughly review your finances, 尽可能多地保存，并在查看待售清单之前获得资格预审.
