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Biggest Mistakes People Make When Getting a Mortgage


1. Not researching different kinds of loans. According to recent polls, the majority of house buyers do shop around before getting a mortgage. They look at different lenders, comparing the costs and benefits of each. Where they fall short is in looking at the types of mortgage options available. While it’s a good idea to shop multiple vendors, it’s as important to shop the different sort of loan as it is to shop from multiple sources in getting that mortgage.

The vast majority of homebuyers only check into one or perhaps two types of loans. Many are not even unaware that conventional, FHA, VA, USDA and local programs even exist. While these are not options for everyone, many are, and looking into options can save you a great deal of money and stress in the long‐term.

2. Not shopping around enough. A majority of house hunters base their decision on lenders they’ve worked with before, often choosing someone familiar over a better rate. Nearly half of purchasers spent less than an hour before choosing the lender and even fewer get preapproval letters from more than one source.

3. Not figuring out the other costs. When considering accepting a mortgage, there are other costs associated with the loan and these need to be shopped around for as well. In addition to finding the best rates with several lenders, there are closing costs, Annual Percentage Rate (APR) differences and so on. More than a quarter of buyers did not compare the costs of the loan with each lender. Surprisingly, another quarter weren’t “sure” if they did or not.

4. Not addressing the ‘simple fixes.’ Most people research what their monthly payment amounts would be and look into their credit scores and fix the holes in their credit. The bad news? Almost a third of new homebuyers did not address the simple fixes that would have possibly enabled them to purchase a larger/more expensive home or given them a better interest rate or lower monthly payments.
When applying for a mortgage, or considering buying a home, do all your research! Check as many different lenders as you can but be sure to do it in a
narrow time frame, so your credit history doesn’t take a hit from the inquiries.
Check around, shop around and most importantly, do what you can to fix the gaps in your credit history. And of course, make payments on time and keep an eye on the final number on your credit report.







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