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What to do before applying for a mortgage

Updated Wednesday, January 15, 2014
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Are you thinking about buying your first home this year? Dreaming of a bigger home?

Here are some great tips on what to do before applying for a Mortgage!

Something as small as an unpaid bill could be enough to see a mortgage application declined. Here are the some key steps to take before you apply.

  •  Try to pay off existing debts before you apply. Lenders want to see that you can pay back loans on time and in full each month.
  •  Avoid drastic changes in financial circumstances before you apply. Lenders want to see a borrower who has a settled financial history so try to avoid taking more credit in the months immediately before you ask for a mortgage.
  •  Avoid job changes. Before accepting a loan most mortgage providers like a borrower to have held a job for a number of months to prove that you have a steady income stream.
  • Don't take out any new credit cards or new loans.
  • Save  a larger down payment. Having a large down payment can help you to secure the mortgage that you need to buy your dream home.
  • Start early. Give yourself lots of time to save your down payment and repair your credit history if needed. 

Have more questions? Feel free to contact me and I can put you in touch with the RIGHT Mortgage Professional!


Julie Jenkins

Sales Representative

EXIT Realty Twin Bridges Brokerage

Office 519-336-3948

Cell 519-328-4963


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Julie Jenkins

Julie Jenkins