Marjorie Youngren Team's Blog
Filling out a mortgage application may prove to be a long, arduous process, particularly for those who are buying a house for the first time. Lucky for you, we're here to help you dot the I's and cross the T's on your mortgage application to ensure you can quickly and effortlessly acquire your dream house.
Now, let's take a look at three tips to help you prepare your mortgage application.
1. Be Diligent
A mortgage application may appear daunting at first. The application may include several pages of questions, and you may have only a limited amount of time to finalize your submission.
When it comes to completing a mortgage application, it generally pays to be diligent. If you answer each mortgage application question to the best of your ability, you likely will have no trouble moving forward with your home purchase.
2. Avoid Guessing
If you're uncertain about how to respond to certain mortgage application questions, there is no need to guess. Instead, search for the information that you need to provide a comprehensive response. This will help reduce the risk of encountering potential problems down the line that otherwise could slow down your home acquisition.
Remember, guessing on a mortgage application probably won't do you or your lender any favors. But if you allocate the necessary time and resources to understand mortgage application questions and provide thoughtful responses, you can minimize the risk of application errors.
3. Ask Questions
Completing a mortgage application sometimes can be tricky. Fortunately, a lender employs mortgage specialists who are happy to respond to your application concerns or questions at any time.
If you're unsure about information that is requested on a mortgage application, don't hesitate to reach out to a lender's mortgage specialists for help. These specialists possess extensive mortgage expertise and can help you complete a mortgage application.
Furthermore, mortgage specialists can offer insights into a wide array of mortgage options. These specialists can explain the differences between fixed- and adjustable-rate mortgages and enable you to select the right mortgage option based on your financial situation.
As you prepare to buy a house, you may want to consult with a real estate agent as well. In fact, with a real estate agent at your side, you can seamlessly navigate the homebuying process.
A real estate agent understands exactly what it takes to acquire a house, regardless of the finances at your disposal. This housing market professional can set up home showings, help you submit offers on houses and ensure you can purchase a residence that matches or exceeds your expectations. And if you need help getting a mortgage, a real estate agent may even be able to connect you with the top lenders in your city or town.
Ready to move forward in the homebuying journey? Use the aforementioned tips, and you can finalize a mortgage application and secure the financing that you need to acquire your ideal residence.
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You honestly may not get the chance to deep clean your home very often. When you do clean your house, there are a few places that are harboring many germs that are easily overlooked. Below, you’ll find some of the dirtiest areas in your home that need to be scrubbed well.
Handles And Knobs In The Kitchen
You’re handling everything in the kitchen from dirty dishes to raw meat. After touching these items, you’re grabbing drawers, refrigerator door handles, oven doors, and more. All of the bacteria that is on your hands is transferred to these items. You should scrub these areas down on a weekly basis with a simple vinegar and water solution.
Your Computer And Accessories
If you’re like most people, you spend a lot of time at your computer. You eat drink, talk on the phone, and everything else right in front of your computer. It’s a good idea to rid the bacteria that are collected all over your computer and accessories. You can detach the attachments from your computer a dab them with a mild soapy water solution, or just wipe them down with a pre-moistened anti-bacterial cloth.
The Toothbrush Holder
You use your toothbrush to clean your teeth, but do you ever clean the place where it sits? You can quickly place your toothbrush holder in the dishwasher once a week, or sterilize it with hot water and soap. As a bonus, you should clean your toothbrushes by boiling them in water for a few minutes.
The Handrails And Doorknobs
Everyone uses the railings on the stairways, but it’s a good bet that no one cleans them very often. You can use a simple hot water and vinegar solution to scrub railings and doorknobs down. Wipe them dry, and they’ll be as good as new with less germs.
The Light Switches
As you go in and out of rooms, you probably don’t think of cleaning off the light switch panel. Germs are easily spread there as people go in and out, turning a light on just to wash their hands. Vinegar and hot water will do the trick here as well. Just wipe switches down with a cloth soaked in the solution and pat dry.
While you may wipe down around your sink often, the faucet and surrounding areas may need a little love. Faucet handles should be scrubbed on a daily basis with hot soapy water. As a bonus, if you want to make your sink shine, create a paste with vinegar and baking soda. Once you scrub it on the faucet, rinse off for a fantastic shine.