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The happy path to securing a mortgage is, unfortunately, often accompanied by well-meaning advice that might not fit your situation. While the intentions behind such advice are good, it's essential to separate fact from fiction before making crucial decisions.
We're here to debunk some of the worst mortgage advice that often circulates.
Why you might hear this: Early stages of home shopping might seem premature for a mortgage commitment.
Why it's poor advice: Although not an official guarantee, a pre-approval can save you from future headaches. Pre-approval not only prevents heartbreak over unaffordable homes but also provides an edge in competitive markets.
Why you might hear this: Familiarity and convenience are often favored.
Why it's poor advice: Just as you shop for homes, shop for a mortgage professional. Looking beyond existing banking relationships could lead to more home financing options.
Why you might hear this: Mortgage paperwork can be overwhelming.
Why it's poor advice: Hidden clauses can lead to costly surprises. Take the time to carefully review every detail. Spending a bit more time upfront can save substantial headaches later.
Why you might hear this: Lower rates equate to lower payments.
Why it's poor advice: There are many nuances to consider with a home loan beyond the rate. Working with a reputable mortgage professional can explain all the details of each program you qualify for to help you make an informed decision.
Why you might hear this: More approved funds imply a better home and affordability.
Why it's poor advice: Having some wiggle room after your home purchase is critical. You want to have a safeguard against unforeseen circumstances plus have some extra for life's other expenses like kid's sports, hobbies, and traveling.
Remember, an informed decision today lays the foundation for a more secure and prosperous homeownership journey tomorrow. While the advice may flow freely, it's essential to assess each recommendation against your unique situation --and we're here to help you with just that. Reach out to us today for advice you can rely on.
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California.
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