Getting a Mortgage

Getting a mortgage. It is a good idea to work out a budget before trying to get a mortgage. It is best to work through your personal finances to find out how much house you can afford. A mortgage affordability calculator can help with this. For more information about finding out how much you can afford, click here.  It is also a good idea to get a mortgage before you go house hunting – you don’t want to find that perfect house only to find out later that it is out of your price range or that you cannot secure funding to purchase it.

Going to the bank versus a mortgage broker.  There are benefits to both options. If you head to the bank for a mortgage, the loan officer at the bank will attempt to find you the best option and rate that they offer. If your credit is approved, they can get you a mortgage that works well for you. That being said, they work for the lender (the bank), and thus will only be able to offer you that lender’s rates.

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Getting a mortgage with bad credit. Of course having bad credit makes getting a mortgage more difficult, but it isn’t impossible. Again, a mortgage broker can offer you more options and rates, especially when working with a poor credit rating. When you have bad credit, this may mean that your interest rate is going to be higher.