Home > Blogs > New Hampshire > HOW DO I KNOW IF I CAN GET A MORTGAGE GIVEN TODAY'S Real Estate MARKET?
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Scott Godzyk's Blog

By Scott Godzyk | Agent in Manchester, NH

HOW DO I KNOW IF I CAN GET A MORTGAGE GIVEN TODAY'S Real Estate MARKET?


One of the most common questions i have been asked recently is "HOW DO I KNOW IF I CAN GET A MORTGAGE GIVEN TODAY'S Real Estate MARKET?"  The first thing any potential buyer needs to do when they start thinking they want to buy a home, is to contact a local and trusted mortage broker, bank or credit union. STAY AWAY from the internet lenders.

A good local loan officer will pre-qualify you at no cost. They will look at your credit score but more importantly your whole financial picture. This includes your credit report, current income, debt and employment history. They will let you know what programs you may quailify for and what the down payment and closing costs for each are so you can compare them.

WHAT DO I NEED TO GET PREQUAILIFIED?

You should get together your last 2 years tax returns, your last 2 pay stubs, last 3 months bank statements and a list of your income and expenses.

WHAT IF I CAN NOT GET PREAPPROVED NOW

If you can not quailify for a mortgage today, they will be able to tell you what you will need to do so you can get a mortgage in the future. There are no quick fixes, no secrets and no one you can pay to improve your situation, they are all scammers no matter what they promise and how much they are charging. You simply need to pay your bills on time, get your balances down below half of what your credit limits are and start saving money towards your down payment or closing costs.

Good luck with mortgage search and as always please feel to add any comments or questions on my blog you need answered. If you are in NH and would like to be prequailified at no costs, just send me an email.  We offer FREE Buyer Representation for Buyers.



If you are looking to buy or sell a home in New Hampshire, please call us first. We strive to provide the best in personal and professional service through each step of the buying and selling process.

We offer * FREE * BUYER REPRESENTANTION - ask us how we can help you buy a home here in New Hampshire. (*please contact us for details and conditions*)

It does not take magic to turn your "For Sale" sign into a "Sold" sign. it takes a full time Local Agent who specializes in Listing homes like yours.

If you need to sell your home and you owe more than your house is worth, i may be able to help. I specialize in working with home owners to get your home sold. There are many options such as a short sale whcih may be able to help you.

Please try and avoid out of state or out of town agents and companies that make "out of this world promises". We are local agents with experience who never charge any up front fees. WE GET RESULTS!!!

If you need to sell a home in New Hampshire I can be that agent for you. I strive to provide the best personal and professional service through each step of the selling process.

We stand by you through every step in selling your home.

PLEASE SEE SOME OF MY MOST POPULAR BLOGS

1.
IS A SHORT SALE FOR YOU? Tips and advice for sellers who owe more than their houses are worth.

2. TIPS AND ADVICE FOR BUYING A BANK OWNED HOME

3.
CAN I PURCHASE A HOME THAT IS IN FORECLOSURE?

4. FULL LIST OF TIPS AND ADVICE ON GETTING A MORTGAGE

5. TOP 5 WAYS TO KNOW IF "NOW" IS THE TIME TO BUY A HOME

6. 5 MYTH'S ABOUT TODAY'S REAL ESTATE MARKET

7. SHOULD A BUYER USE MORE THAN 1 AGENT TO BUY A HOME?

8. TIPS AND ADVICE FOR BUYING A SHORT SALE

9. ARE BUYERS WAGING WAR AGAINST SELLERS?

10. DO YOU OWE MORE THAN YOUR HOUSE IS WORTH?

ONE OF NEW HAMPSHIRE'S LEADING AGENTS FOR SHORT SALES AND BANK OWNED HOMES...

If you are Looking for a Real Estate Agent you have come to the right place. Scott Godzyk is a Full Time and Local agent ready to serve all of your Real Estate needs through each step of the buying or selling process. We are proud to be locally owned and operated.

If you owe more than your house is worth, If you are behind in your payments, I may be able to help. Call me to find out how you may be able to sell your home at no additional cost to you.

Scott Godzyk is the Owner/Broker of The Godzyk Real Estate Services located in Manchester NH. With 25 years of Real Estate experience Scott specializes in Listing and Selling Bank Owned Homes, Short Ssles, Residential Properties, Condominiums, New Construction and Investment Properties. Scott services the counties of Hillsborough, Merrimack, Rockingham and Belknap. To contact Scott Godzyk please call 603-661-2121 or email sctprop@aol.com. his website is www.ScottSellsNH.com.

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