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Buying a Home and Getting a Mortgage

Getting the perfect mortgage and home can be a long, overwhelming journey. My Perfect Mortgage will give you the tools you need to be a well-informed borrower and homebuyer.
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Are you Ready to Buy a Home?

You’ve made the decision that you want to find your dream home…now what? Make sure that you’re willing to commit to a monthly mortgage payment and upkeep on a house. If you’re ready to settle down in one spot, we can help you prepare your finances and get you on the track to homeownership. 

First-time Home Buying Tips

A great place to start if this is your first time buying a home. We’ll guide you step-by-step through your first home buying and mortgage experience.

  • Get Your Personal Finances in Order – Learn how to get your personal finances perfectly positioned to qualify for a mortgage.
  • Understand Your Credit Report and Score – The credit score is one of the most critical and misunderstood part of the mortgage loan process.
  • Advice on Finding a Real Estate Agent – How do you pick a real estate agent? What is their role and how do you get the most out of their services?
  • Understanding Your Mortgage Options – Chances are you qualify for several mortgage options, learn how to pick the best one for your situation.

Do It Yourself Mortgage Analysis

Questions We Get Over and Over

Which loan should I apply for? 

There are various different loan types available for each unique buyer. Once you find the perfect lender from My Perfect Mortgage, they can go over your options and let you know which ones might work for you. But you should also do your own research to get an idea of what you might want. 

How do mortgage rates work?

Your mortgage rate is the amount of interest that you’ll pay over the life of your loan. Rates are affected by both your individual circumstances and the market. Generally, the better credit and lower debt-to-income ratio you have, the better chance you have at securing a low rate.  

How do I know what I can afford? 

Before you officially apply for a loan, you can go to any lender to get pre-approved. That lender will do a soft look into your financial profile and determine the amount of a loan you can qualify for. 
A generally good guideline to figure out your budget is that your housing payment shouldn’t cost more than 25-30% of your monthly take-home pay.

Further Reading