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Over the past few years we have seen the virtual desiccation of both the housing markets and all large financial institutions. For anyone who hopes to get a Georgia home equity loans in this new world order, they might be terribly disappointed, if not totally shocked. Not long ago a 620 FICO score, steady income, and normal well paid debts all helped put you in just about any home you wanted. No more! That's not to say that lenders are refusing everyone. It does, however, take almost perfect credit and larger than normal down payments. It also requires plenty of backup documentation to verify everything on your application. No more 'no verification' loans! Also seemingly extinct now is to have your lender pay off your credit cards with a home equity loans in order to improve your income to debt ratio. This was almost de rigueur not long ago. Now, forget about! If you owe too much, you just don't get approved ' it's as easy as that. You might find the new mandatory down payment limits difficult as well. These aren't as negotiable as they once were. Banks want to know you have a financial stake in the property. They made these mistakes in the past and they learned the hard way that you can't lend money to people for the entire price of the home. If they can't pay, they don't lose anything. They want the down payment. Even with a $150,000 home, that's a whopping $30,000 down. If you believe you have what it takes to get the house you want, you'd better be very prepared before filling out the actual paperwork with a lender. Not only do lenders have different requirements, they also have different definitions. For instance, one lender defines 'income' as your 'adjusted gross income' from your previous year's tax statement. Considering this figure could actually be 0, it would be almost impossible for anyone to ever qualify for a lone with this company.
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Home Mortgage -- Getting to Know Your Taxesby hrblock62,391 views
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