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Mortgage Services

Getting a mortgage can be confusing, and finding a mortgage service broker who fits your needs and personality can be challenging. If you break the process down and understand what lenders look at and the documents you will need, it may help your decision about what type of home or commercial mortgage is best for you.

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Banks and mortgage service lenders offer the usual variety of mortgages – fixed rate mortgages, variable rate mortgages, and flexible mortgages, usually in 15- or 30-year contracts. However, depending on your particular situation, you may qualify for other types of mortgages.

What do lenders look at?

The type of mortgage service you qualify for depends, frankly, on your financial situation. In order to qualify for a mortgage, most mortgage lenders require that you have a good debt-to-income ratio. This can vary, however, depending on the type of loan you’re getting and the size of your down payment. The debt-to-income rate means that no more than a certain percent of your total monthly income can go towards housing, and no more than a certain percent of your total monthly income can go toward your total monthly debt (including mortgage payments). Your employment and credit history are looked at as indicators of how likely you will be to pay back your loan

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