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Mortgage Information

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Home sweet home: buying can be trying

买新房子是一个重大的生活成就。从完美的公寓到纠察队围栏,购买一个新的家庭是您在安全,稳定和独立之旅中的个人里程碑。必威娱乐官网TransUnion可以帮助您避免不需要的挫折,通过向您提供有关信用评分,费用和更多的抵押贷款信息来关闭交易。

我的信用评分如何影响我的抵押贷款?

Your credit score directly affects the interest rate on your mortgage. Basically, high credit scores lower your interest rates, while low scores cause them to rise. If I already have a high credit score, what else can I do to lower my mortgage rates? If you can afford higher monthly payments, then opting for a shorter loan—a 15-year instead of a 30-year loan—can help reduce your interest rate. Short-term loans cost banks less money. In appreciation, your bank might reward you with an interest rate as much as one percent lower than that of a long-term loan.

当我申请房屋贷款时,我的信用评分会是一个因素吗?

If your score is 580 or better, you can apply for a government-backed loan with the Federal Housing Administration. In many cases, FHA loans have made it possible to qualify for a home loan with a low credit score.

在我下市后,我需要考虑哪些其他相关的抵押费用?

Once you’ve settled on a down payment, it’s important to take stock of your closing costs. Closing costs often run between two to three percent of your total loan. Other fees include the loan origination fee, the loan application fee, the title services fee and appraisal fee. Additionally, you might consider setting up an escrow account, which guarantees 12 months of property taxes and homeowner’s insurance.

管理我的收盘费用的最佳方式是什么?

The most cost-effective way to manage your closing costs is to keep them separate from your mortgage. Remember, you’re paying interest on anything that’s part of your mortgage, so why increase that amount? If you can afford it, pay your closing costs separately.

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What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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