Why Pre-Approval Should Be Your First Step

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In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the amount of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.

在全國許多市場,正在尋找夢想家園的買家數量遠遠超過了出售房屋的數量,這導致市場競爭強烈,買家需要脫穎而出才能順利買到房屋。向賣家證明您是認真並有信心購屋的一種方式,便是在開始尋找房屋之前就先取得房屋貸款預先批准。

Even if you are in a market that is not as competitive, knowing your budget will give you the confidence of knowing if your dream home is within your reach. 

即使你所在地的房屋市場競爭不大,清楚了解你的預算將使你更有信心的知道夢想家園是否觸手可及。

Freddie Mac lays out the advantages of pre-approval in the My Home section of their website:

Freddie Mac在網站上“我的家”頁面中列出了取得預先批准房貸的優勢:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

“強烈建議您在開始尋找房屋之前,先聯絡貸款專員,獲得預先批准房貸。預先批准房貸可告訴你你能負擔多少錢的房屋,可以幫助你在競爭激烈的市場更快更有信心的成功購屋。”

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.” 

許多房地產專業人員與貸款專員有良好的合作關係,幫助您取得預先批准房貸也是雇用專業房貸的許多優勢之一。一旦選定了貸款銀行,你需要填寫貸款申請表,並提供有關“信用,債務,工作歷史,頭期款和居住歷史”等重要資料。

Freddie Mac describes the 4 Cs that help determine the amount you will be qualified to borrow:

Freddie Mac描述了決定您貸款金額的4個Cs:

  1. Capacity: Your current and future ability to make your payments
    容量:你目前和未來的付款能力
  2. Capital or cash reserves: The money, savings and investments you have that can be sold quickly for cash
    資本或現金儲備:你可以快速出售換取現金的資金,儲蓄和投資
  3. Collateral: The home, or type of home, that you would like to purchase
    抵押品:你想購買的房屋或房屋類型
  4. Credit: Your history of paying bills and other debts on time
    信用:你按時支付賬單和其他債務的歷史

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted.

獲得預先批准房貸向賣家證明你是認真購屋買家的許多步驟之一,並且在你的開價被接受後可助於加快購屋過程。

Bottom Line
結論

Many potential home buyers overestimate the down payment and credit scores needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so as well.

許多買家高估了需要獲得房貸所需的頭期款和信用評分,如果你準備好了並想要購屋,可能會對你實際的購屋能力感到驚喜。

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