你的抵押贷款被拒绝的原因
The path to getting a mortgage isn't always a straight line.
根据全国房地产经纪人协会® 调查, 大约30%的潜在购房者, 谁现在没有家, 我觉得他们申请住房贷款会有困难. A piece of your financial history could block your mortgage. Here are some common reasons people aren't approved for a mortgage.
常见的按揭拒绝理由
- 你的信用评分太低了. Pulling your own credit report, also known as a soft inquiry, doesn't affect your credit score. In fact, regularly checking your credit report is a responsible financial practice. 法律规定你有权 一份免费报告 from each of the three reporting bureaus every 12 months. Keep in mind that if a lender pulls your score to approve a new credit account, 这是一个很难的问题，而且会降低你的信用评分. 您通常必须授权此过程. The most effective way to positively influence your credit score is to pay your debts on time.
- 你负债太多了. 你每个月偿还的债务总额, 包括你目前的按揭, should be less than 35% to 40% of your total monthly income. Your best plan for lowering debt is to make a plan to pay it off. 还记得, 关闭信用账户会降低你的可用信用, 哪一种会增加你的债务/信贷比率, also known as credit utilization ratio and t在这里fore lower your score, 特别是如果你有其他卡的余额.
- 你的贷款金额和房屋评估价值不相符. Options include a second appraisal or a different lender. 如果你买房子，它的成本不应该超过2比2.5倍于家庭收入, and ideally your mortgage should be no more than 80% of the home's value to avoid paying mortgage insurance. Consider including in your purchase agreement a contingency clause that allows you to back out if your loan falls through, 这房子没有按售价估价, 否则你会丢掉工作.
- 你申请的信用卡太多了. Applying for a mortgage within six months of applying for any other type of credit may influence your credit score. Analyze your situation prior to opening several accounts in succession. 很快开了太多的账户, and multiple credit inquiries can take points off your credit score, more so for someone with few credit accounts or a short credit history.
- You have spotty employment history or big income shifts. Consistency is key: Lenders usually request at least two years of tax returns so they can meet regulatory guidelines to verify stable employment and income. 在你开始找房子之前, meet with a lender or mortgage broker to determine how much money you are qualified to borrow. Having a pre-qualification letter in-hand offers peace-of-mind to you, 卖方, 还有你的房地产经纪人.
- 你不用付首付款. Without 3% to 20% of the purchase price saved, expect approval snags. The amount you'll need for your down payment will vary depending on the size of home, 它的位置和你想要的抵押贷款类型. Some lenders may offer loan programs with low down payment options, 但可能需要抵押贷款pp王者电子官网, 哪个会增加你每月的总债务. 和你的贷款人讨论你的选择.
你最好的选择? 彻底检查你的财务状况, save as much as you can and get pre-qualified before you view the For Sale listings.
