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Before you embark on the journey of applying for a mortgage, there is one crucial number you must know: your debt-to-income ratio, or DTI. This single...
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Read MoreYou are likely a good candidate if: You want to buy a fixer-upper you couldn’t otherwise afford upfront. You own a home that needs major updates (like a new roof, kitchen, or addition) but lack the cash to pay for it. You don’t want to deal with the hassle and higher costs of a separate personal loan, HELOC, or credit card to fund renovations. You have a solid credit score and a manageable debt-to-income (DTI) ratio.
The final walkthrough is typically conducted within the 24 hours before your closing appointment. Scheduling it as close as possible to the closing ensures that the condition of the home hasn’t changed since your last visit and that the seller has moved out.
Older homes generally require a higher maintenance budget. While they have charm, their major systems (roof, plumbing, electrical, HVAC) are closer to the end of their useful life. A newer home might allow you to save slightly less initially, but no home is maintenance-free, and you should still follow the saving guidelines.
We take your privacy seriously. All electronic communication is conducted through encrypted, secure channels. We will never request sensitive information like your full Social Security Number via unsecured email. Our secure online portal is the safest way to upload and review all your documents.
You will typically need to provide:
Proof of income: Recent pay stubs, W-2s from the past two years, and tax returns.
Proof of assets: Bank and investment account statements.
Identification: A government-issued ID, like a driver’s license or passport.
Credit authorization: Lenders will pull your credit report with your permission.
