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Can You Speed Up Your Mortgage? YES! September 14, 2017

Posted on September 14, 2017 by Mike Shore

Are you in the market for a new house or apartment? If you are financing the purchase by taking out a mortgage, you?ll want to know how to make this transaction run as smooth as possible. In today?s article, I?ll share a quick three-step guide to speeding up the mortgage closing process.

Step #1: Check In On Your Credit Score

The first step before applying for your mortgage is to check in on your credit. Request a copy of your credit score and history from one of the major reporting firms. Go over this report, paying close attention to any old or outstanding items that you may have already dealt with. Many individuals have old delinquencies that must be challenged to be removed from the report, so take care of these first before applying.

Step #2: Have All Your Documents Prepared

As with any loan, taking out a mortgage requires a small mountain of paperwork. The best way to speed this process up is to have all of your financial documentation ready for the lender.

A brief list of some items which are commonly requested includes your current employment details, recent pay stubs, recent W-2 forms or tax returns, proof of self-employment or other means of income, asset details such as bank accounts and investments and debt information such as other mortgages, student loans and more.

 

Step #3: Get The Inspection Finished Promptly

While the lender is completing the home appraisal process, you should be having the home inspected. Getting the inspection completed promptly will prevent any delays due to problem areas that might be uncovered. For example, a pest problem like termites may need to be dealt with, or minor repairs to the roof structure may need to be scheduled.

Following the steps above will help to ensure that your mortgage closing process goes as smoothly as possible. To learn more about your mortgage options or to get the pre-approval process started, contact me today!

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Testimonials

Brandon Wilkinson

Mike was great all the way in the process from the pre-approval to closing.? He explained in detail all the lending option and helped me choose the right mortgage for me.? Mike always returned phone calls and emails promptly and he kept me informed of everything in the process.? I would recommend Mike to all my family and friends.

-Brandon Wilkinson, American Falls
Mike Shore Mortgage
5
2015-04-02T13:08:53-06:00
Mike was great all the way in the process from the pre-approval to closing.? He explained in detail all the lending option and helped me choose the right mortgage for me.? Mike always returned phone calls and emails promptly and he kept me informed of everything in the process.? I would recommend Mike to all my family and friends. -Brandon Wilkinson, American Falls
https://mikeshoremortgage.com/testimonials/brandon-wilkinson/

Dori Dunn

Mike is so easy to work with.? He is fast, professional and friendly.? He has helped us buy 2 homes in the last 11 years and also helped our daughter buy a home.? I would not consider going to anyone else.? I highly recommend Mike Shore to anyone looking for a knowledgeable, helpful and friendly mortgage lender.? Mike makes buying a home quick and easy.

Dori Dunn, Pocatello, Idaho
Mike Shore Mortgage
5
2016-07-28T15:50:45-06:00
Mike is so easy to work with.? He is fast, professional and friendly.? He has helped us buy 2 homes in the last 11 years and also helped our daughter buy a home.? I would not consider going to anyone else.? I highly recommend Mike Shore to anyone looking for a knowledgeable, helpful and friendly mortgage lender.? Mike makes buying a home quick and easy. Dori Dunn, Pocatello, Idaho
https://mikeshoremortgage.com/testimonials/dori-dunn/
5
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