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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Four Things to Remember When Applying for a Home Mortgage

Getting a home mortgage doesn’t have to be complicated. All you need to do is to coordinate with a lender and obtain the required documents. What makes the application tedious are the requirements that you need to get approved. And you have to go through all the steps if you want to apply for it. It's the same in every state across the United State. So how can you increase the chances of your loan getting approved?

Tip No.1: Ask for the Necessary Paperwork Beforehand

Asking for the documents and the paperwork even before you apply for a mortgage can cut off a lot of time on your application process. Your lender will review the documents as soon as you submit it. If you already have the required documents beforehand, then they'll be able to review the documents right away and might even get your home mortgage approved in no time. It may also take you some time to get the other documents so it's important that you prepare them several months before you submit your application.

Tip No.2: File a Lock-in Mortgage Rate Request

The housing market's economic state dictates what your mortgage rate is going to be. So there's a tendency for your mortgage rate to change during the whole application process. Requesting for your mortgage rate to be locked in is important if you're settled with the mortgage's interest rate. However, asking for your mortgage rate to be locked in will cost you a fee. That's why most real estate agents often advise their clients to request for a lock in 30 days prior to their mortgage application to make sure that they'll get the lowest mortgage rate possible.

Tip No. 3: Expand Your Choices

There's nothing wrong with looking for other mortgages aside from those that were endorsed to you by your real estate agent. Although it may be a lot of work on your end, having several mortgage companies to choose from will ensure that you will get the best mortgage plan that fits your budget.

Tip No. 4: Choose Your Spending Wisely

Don't use up all your credit lines especially if you're thinking of filing for a home mortgage. Your lenders will see most if not all, of your financial transactions, and it wouldn't look good if you have a lot of debt under your name, and are planning to add even more. So try not add more to your existing debt and pay off whatever you can pay to lessen your debt.

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