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This is a very good mortgage advice: Learn about mortgages first before choosing lenders and mortgage packages for a home purchase.


When applying for a home loan one of primary attributes lenders will look at is your debt to income ratio. Your debt to income ratio is a huge determining factor when it comes to the price range of homes you can purchase. Home loan calculaters are also useful in giving you an idea of what lenders are looking for.


Lenders will also want to look at your front and back end ratios. These values are computed from your gross income. Gross income is your total raw income without taxes and other deductions. Your front end ratio is what the lenders decide you can afford in payments. For conventional loans the front end ratio is equivalent to 33% of the gross income while for FHA loans it would be 31%. The back end ratio on the other hand will be your mortgage payment along with all other recurring payments and debts. The back end ratio for a conventional loan is 45% and 43% for an FHA loan.


All your regular expenses such as car payments and credit card bills are considered when you are applying for a home loan.


Make sure that you also know the difference between being pre-qualified and pre-approved for a mortgage is and your options on the matter. This also has effects on your home purchase.


If you are already pre-qualified then that means the lenders have already decided that you are qualified for some loans. This is only in the opinion of the lender.


Being pre-approved on the other hand means that the lender has already verified finances, credit ratings and bank references. Sellers will know that you are a serious buyer if you have already secured a pre-approval letter.


As for a home loan, there are certainly more advantages with being pre-approved over being just pre-qualified. You will have more options when shopping for a new home if you already carry a pre-approval letter. You can close deals faster as well.


There are a lot of factors and other details involved in a home loan application. When dealing in this kind of transactions do not forget to watch out for loan frauds. If a transaction does not feel right to you then you do not have to subject yourself to it. These are just a few of the things you need to know.

Emily Collins is a writer for several websites and blogs including http:trustdeedinvestings Cheap Al Horford Jersey , a site that talks about Home loans. For more information about Home loans, just feel free to visit our site now.