5 Ways You Can Simplify the Mortgage Process

In order to shorten and demystify the mortgage process, try using these five tips.


Today I want to provide you with some tips that you need in order to minimize the mortgage process. We know that it can be stressful, but if you heed these tips, it will go a lot smoother for you.

1. Know your budget. When you’re out shopping for a house, you’ll have a finite number of houses to view, and many people are shopping outside their means. That will cause undue stress. Go over your budget and know what is the maximum monthly payment you can qualify for. Once you know that, you can shop with confidence that the houses you’re looking for fit within your range.

2. Plan for the unexpected. Sudden and unexpected issues and pitfalls have a habit of cropping up during the home search process. Perhaps a home that you like is located in a flood zone, or insurance is higher than you thought, or your taxes are slightly off. These sorts of things are why you should work with a professional Realtor and lender to help you navigate these rocky waters.

With great communication, stress is all but eliminated.


3. Learn the process. Meet with your Realtor and ask them for a step-by-step explanation of the process, beginning at pre-qualification all the way through to closing. Do this with your lender as well; understand their process, how they process loans, and what’s expected of you. With great communication, stress is all but eliminated.

4. Shop around for your mortgage. If you work with me, you won’t need to shop around because I’ll take good care of you. However, with another lender, you need to know how long they’ve been in business, how well they carry out their transactions, how they treat their past customers, and so on. It’s not always about the terms of the loan; it’s about making sure that it’s done and that you’re satisfied with the result. Shopping around will help you find a lender you trust and like.

5. Realize that real estate is like a rollercoaster. There will be high moments and low moments, periods of fun and stress, and you might feel a little sick at the end. But it’s all worth it, and when you get off the ride, you’ll realize that you had an overall good time and, best of all, you own your own house!

If you have any questions or if you or someone you know is looking to being the mortgage process, feel free to reach out to me. We look forward to helping you and/or your friends buy homes in the future.