Home Mortagage Loan , Need suggestion

[iddaritho]

 

I am looking for houses in range of 250 to 350 in rochester minnesota 

this will be my first time buying a house , 

I am planning to get loan amount with only 5 % down , i have a credit union associated with my employer 

how to get quotes from different banks without giving them my SSN and just telling them my credit score 

 

 

 

[Sammi]

3 minutes ago, iddaritho said:

 

I am looking for houses in range of 250 to 350 in rochester minnesota 

this will be my first time buying a house , 

I am planning to get loan amount with only 5 % down , i have a credit union associated with my employer 

how to get quotes from different banks without giving them my SSN and just telling them my credit score 

 

 

 

Post ur details or PM

 

i can tell you 

our client has tool to do it 

[JANASENA]

SSN lekunda quotes evaru ivvaru

Try Lending tree, Quicken Loans, and call other banks or set up an appointment  with them. compare the rates and select the cheapest and best. My suggestion is go for 30yr fixed. 

[Kalam_Youtheman]

4 minutes ago, iddaritho said:

 

I am looking for houses in range of 250 to 350 in rochester minnesota 

this will be my first time buying a house , 

I am planning to get loan amount with only 5 % down , i have a credit union associated with my employer 

how to get quotes from different banks without giving them my SSN and just telling them my credit score 

 

 

 

SSN lekundaa nee correct score pull cheyyadam impossible...Nee score kavalante nee SSN must

 

lending tree website lo nee info ivvvu inclusing SSN it will show you which banks are ready to give u loan

neee  credit score emi effect kaaadhu lending tree tho..

[Kalam_Youtheman]

Just now, JANASENA said:

Try Lending tree, Quicken Loans, and call other banks or set up an appointment  with them. compare the rates and select the cheapest and best. My suggestion is go for 30yr fixed. 

bhayyya

before contacting mortgage people..mana credit balance zero chesi velthe score peragadam emaina help avthudnhaaa...interest rate low vasthundhiii

also bank lo emaina balance undaala apart from down payment to get good interest rate ??? 

[crazymatta]

Just now, Kalam_Youtheman said:

bhayyya

before contacting mortgage people..mana credit balance zero chesi velthe score peragadam emaina help avthudnhaaa...interest rate low vasthundhiii

also bank lo emaina balance undaala apart from down payment to get good interest rate ??? 

best credit utilization 10-15% teesukochuko or debt-to-income ratio under 20% (usually 25-28 antaru) unte bettr.. dani vala mortgage score jump aythay interest takkuvaki vasthadhi

downpayment ki atleast 10% ayina undali or else you are nt ready to buy a home.. nd emergency fund undali it should be atleast 6-8months of expenses

[JANASENA]

Just now, crazymatta said:

best credit utilization 10-15% teesukochuko or debt-to-income ratio under 20% (usually 25-28 antaru) unte bettr.. dani vala mortgage score jump aythay interest takkuvaki vasthadhi

downpayment ki atleast 10% ayina undali or else you are nt ready to buy a home.. nd emergency fund undali it should be atleast 6-8months of expenses

[ram4a]

7 minutes ago, Sammi said:

Post ur details or PM

 

i can tell you 

our client has tool to do it 

Ye thread lo ina same Tool aa ra ....

[Suhaas]

5 minutes ago, Kalam_Youtheman said:

bhayyya

before contacting mortgage people..mana credit balance zero chesi velthe score peragadam emaina help avthudnhaaa...interest rate low vasthundhiii

also bank lo emaina balance undaala apart from down payment to get good interest rate ??? 

credit balance zero chesi velthe score peragadam emaina help avthudnhaa -- Zero avasram le keep it below 10 to 15%

also bank lo emaina balance undaala apart from down payment to get good interest rate ???  --- Good interest rate ki bank balance avasram le, but you need some cash to close apart from the down pay. 

 

[chingchang]

You can contact a local lender and give your financial details. They can give you an approx idea of how much loan you can get, apr etc .. but without running a credit check they cannot give you exact figures. Once you decide on a home to buy, get your credit checked and you'll get accurate details. Dont go with single lender. Check with multiple people and who can give most benefits. i went though a guy who has no PMI option for 10% down for first time home buyers. Not all the banks provide that but its worth checking with multiple people. 

 

good luck. PM me if you need any other help or questions 

[LadiesTailor]

13 minutes ago, iddaritho said:

 

I am looking for houses in range of 250 to 350 in rochester minnesota 

this will be my first time buying a house , 

I am planning to get loan amount with only 5 % down , i have a credit union associated with my employer 

how to get quotes from different banks without giving them my SSN and just telling them my credit score 

 

 

 

if you have approved contract then why worrying about credit score impact now.... one month lo enne run chesina pedda impact vundadu as you are doing it for one loan...

if you are looking for pre-approval then its a different story.... some desi bankers istaru without running credit check.. 

[Sammi]

11 minutes ago, ram4a said:

Ye thread lo ina same Tool aa ra ....

Which thread ba?

[iddaritho]

7 minutes ago, LadiesTailor said:

if you have approved contract then why worrying about credit score impact now.... one month lo enne run chesina pedda impact vundadu as you are doing it for one loan...

if you are looking for pre-approval then its a different story.... some desi bankers istaru without running credit check.. 

I don't have pre approval letter and also i am just starting last week houses chusanu e week pre approval work lo unna 

so how should i start , go to some website  like lending tree and give my details and see which bank will provide me best rates and closing cost 

 

What precautions are needed to take when taking loan from Bank apart from mortgage interest ,  how is the closing cost going to affect 

 

[Batman_fan]

17 minutes ago, crazymatta said:

best credit utilization 10-15% teesukochuko or debt-to-income ratio under 20% (usually 25-28 antaru) unte bettr.. dani vala mortgage score jump aythay interest takkuvaki vasthadhi

downpayment ki atleast 10% ayina undali or else you are nt ready to buy a home.. nd emergency fund undali it should be atleast 6-8months of expenses

Income is just base or after bonus 

[Quickgun_murugan]

30 minutes ago, iddaritho said:

 

I am looking for houses in range of 250 to 350 in rochester minnesota 

this will be my first time buying a house , 

I am planning to get loan amount with only 5 % down , i have a credit union associated with my employer 

how to get quotes from different banks without giving them my SSN and just telling them my credit score 

 

 

 

you cant do that bruh...

try navy federal credit union