6个步骤获得预先批准的住房贷款

有了正确的行动计划，买房子就容易多了. Explore this step-by-step guide to better understand the ins and outs of the preapproval process.

1. Polish Your Credit Score.

Your credit score is a factor that helps determine the mortgage rates you qualify for. When applying for a mortgage preapproval we recommend a credit score of at least 680, 但是你会希望你的分数越高越好.

Generally, credit scores of 740 and up will enable you to qualify for the best mortgage rates. Meaning, you'll likely see no difference in mortgage options if you have a score of 740 vs. 840.

2. Connect with a Mortgage Loan Officer.

你可能会发现自己面临这样的问题:

• How much home can I afford?
• 我能得到的最低利率是多少?
• What should my down payment be?

A Mortgage Loan Officer is a licensed professional trained to help you answer these questions. Their job is to assist you through the loan process and help you find the right loan for your unique situation. 你会得到具体的财务目标和建议, after an initial conversation, 你应该对你的房屋融资选择有一个很好的想法. 

At Cal Coast our Mortgage Loan Officers are not incentivized in any way to promote one loan over another. 这意味着你可以放心，他们会把韦德体育开户放在心上.

3. Determine Your Payment Comfort Level.             

During your initial conversation, your Mortgage Loan Officer will let you know the maximum property value you'll likely be approved for. 这可以让你很容易在预算范围内找到房子. However, just because you qualify for a certain amount doesn't mean it makes sense to get the most expensive home possible. Your budget should be based on your comfort level and how much you are able to put towards a monthly payment. You don't want to be stuck with a huge mortgage payment that leaves you strapped for cash every month.

One way to gauge your comfort level is to budget your finances as if you had a mortgage payment to make. If you're currently renting just subtract your rental costs from your target monthly payment and put the rest into savings. 这可以让你了解你的支付舒适度，并帮助你节省.

4. Research Your Local Housing Market.

有了一个现实的预算，你可以开始缩小你的住房选择. 如果你打算在南加州买房，试试Cal Coast 's吧 Home Rewards search engine where you can access the most up to date listings and get personalized alerts when new home listings become available. You can also receive expert guidance from a dedicated real estate agent by clicking the link directly below and selecting ENROLL NOW. 一旦你找到一个你感兴趣的家, 您可以创建一个帐户(需要30秒)并与受信任的代理配对.

5. 收集你的财务记录，并与你的抵押贷款官一起申请.

Once you've gotten a feel for your local housing market you should get in touch with your Mortgage Loan Officer to officially apply for your preapproval. If you don't feel like visiting a branch your Mortgage Loan Officer can take your application over the phone. Many of our members find this option convenient as the entire process can be done from the comfort of their home. 要联系你的按揭贷款主任，你可以打电话 858-636-3045 (Mon-Fri, 9am-4pm) or schedule an appointment when it's convenient for you. 如需安排周六的预约，请发电子邮件 RealEstateLoanOfficer@clqp888.com.

你也可以亲自到加州海岸分行申请. At the branch simply let the teller know that you're looking to get preapproved for a mortgage and they will pair you with a personal finance representative who will take it from there. 为了避免重复旅行，请尽可能多地携带文件! Feel free to use our interactive map to find a branch near you.

When you apply for a mortgage preapproval you'll be asked to provide copies of certain documents. If you have your documents ready, 你可以在24小时内拿到你的加州海岸预批准信. 这些文件使我们能够核实你的信息, so that we can provide you with accurate interest rates and an official Preapproval Letter.

这里列出了一些你需要准备的文件:

• Last year's federal tax returns
• Pay stubs for the last 30 days
• W-2s for the past 2 years
• 最近一个月的银行对账单，所有账户用于资金关闭

如果你没有复印机，也不必担心. You can bring your documents to any branch and our staff can take care of that for you. 根据你的情况，你可能会被要求提供额外的表格.

如果你找不到某份文件, 不要因此而放弃开始一个应用程序. 你的按揭信贷员也许能找到一个替代的解决方案, so be sure keep them in the loop!

6. 收到您的定制预批准信和商店的家有信心!

During the application process your Mortgage Loan Officer will determine what loan options are available to you, based on the information you provide. They will work with you to find the right loan that fits your needs and financial goals. Once you've chosen a loan program, and feel confident in your decision, your Mortgage Loan Officer will create a customized Preapproval Letter for you to include in your offer package.

预批准信让卖家知道你是一个认真的候选人, 有足够的资金来完成购买. Many sellers won't even consider an application if the buyer has not been preapproved.

Within your Preapproval Letter you will find information important to your home hunt, including:

• Interest rate
• Length of the loan
• Maximum loan amount you qualify for
• 你有资格获得的最高月供

Typically, preapprovals are valid for 90 days as that is how long it takes for a credit report to expire. 如果你需要更多的时间，也没什么大不了的 — just let your Mortgage Loan Officer know and they'll be happy to help get you an extension.