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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.

A Simple Step By Step Guide for Getting Your Own House

Getting your dream house in cities like Lawton can be nerve- wrecking especially for first- time home buyers. There are a lot of things that you have to consider, especially when getting the best deal for your dream home. We talked to some brokers to help you out a bit so here’s a step by step guide for getting your very own dream house!

  1. Check your credit score. Before starting to look for a real estate, you have to make sure that your credit report is in good standing. You may want to check with a certified public accountant to make sure that your credit standing is in good condition. That is because credit reports are used by lenders as a basis for approving your loan. There is a slim chance that your loan request might get approved if you have a poor credit standing. Ensuring that all your bills and credit cards are paid on time can help increase your credit score.

 

  1. Save money in the bank. Most, if not all, lenders would require you to pay at least 20% of your house’s purchase price as soon as you purchase your own house. The 20 percent payment will serve as a down payment and will be deducted from your mortgage. That is why is important that you have enough savings on your bank account if in case you might want to purchase your own dream house in the future.

 

  1. Start budgeting your monthly expenses. Getting your own house would require you to budget the income that you get on a monthly. Things like homeowner association dues and even property taxes are just some of the things that you’d start to consider once you get your mortgage. That is why you need to plan things ahead and make sure that you have a back- up plan while you’re at it. Getting a part- time job or any other source of income can be a great help especially when it comes to paying your bills.

 

  1. Check the length of your mortgage. A home loan may vary from 15 years for up to 30- year mortgage, depending on what the homeowners would choose. You have to consider that a longer loan means higher rates if compared to a much shorter loan. That is why it’s important that you consider your monthly income and your mortgage dues.

 

These are just some of the things that you might want to bear in mind whenever you want to get a mortgage. It would be best to consult real estate brokers to get the best deals for your dream house. Planning things ahead of time can definitely help you get your dream home sooner than you might expect.

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