Mortgage Prep

Most people just don't take the time to qualify for the best rate on their mortgage. That preparation starts about 6 month before you apply. Ideally you should check your credit at least a year in advance but by checking 6 months in advance and cleaning your credit then (by paying everything off) you can significantly improve your credit score and lower your rate. What do you do even if you have poor credit? There are a number of vendors available for bad credit mortgages for poor credit customers. By just doing the minimal amount of work cleaning your credit, you can improve the rate on your Mortgage. If your APR is too high or your ARM has reset, it might be time to consider a remortgage as an option.

So to improve your interest rate for your mortgage, the first clean your credit as best you can 6 months before applying for a re-finance or for your current lendor.



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