Zillow Advice: Buying Process - When should I apply for a mortgage? http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ Zillow Advice | Zillow Real Estate Now is a great time to apply. ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ Now is a great time to apply. &nbsp;The time the home buying process takes fits right into your 3-4 month time frame. &nbsp;Meet with a local lender that has an experienced staff and they should be able to walk you through the process. &nbsp;Good luck! Tue, 06 May 2014 17:37:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-05-06T17:37:00Z Before anything else.&nbsp; ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ Before anything else.&nbsp; It is always best to be approved and know exactly what your costs are before looking at homes.&nbsp; This helps you determine your real budget and when you are fully informed before finding a house it gives you the option of making an offer as soon as you find the right home.&nbsp; Great homes at the right price often don't last long.&nbsp; Being prepared lets you make your offer as soon as you make the decision you want the house, reducing the chances of another interested party buying before you get the chance.&nbsp; Always remember, if you like a house somebody else does too.&nbsp; Don't let somebody else get your perfect house because you weren't prepared. Tue, 06 May 2014 17:33:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-05-06T17:33:00Z 45 to 60 days out from when ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 45 to 60 days out from when you want to start looking at homes.&nbsp; Mon, 17 Mar 2014 13:25:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-17T13:25:00Z I recommend that you speak ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ I recommend that you speak with a lender and try to get pre-approved as soon as you can. It is helpful to speak with a lender now so they can look at your finances at point at any problems that need to be fixed. When it comes to financial problems, they can take a long time to correct so it's helpful to speak with a lender now.<br/><br/>One of the first steps to buying a home would be&nbsp;to speak with a lender that best fits your situation to get pre-qualified. Then when you do apply for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan. We will need to analyze your assets, credit, expenses, income, debt, employment, down payment, etc. Either way, the best thing for you to do is to speak with a knowledgeable lender to see if you can get started on financing a new home.&nbsp;If you need additional assistance, feel free to reach out. Good luck! Mon, 10 Mar 2014 20:27:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-10T20:27:00Z Hello,You should get pre-approved ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ <p>Hello,<br/>You should get pre-approved as soon as possible.&nbsp; The most important step is understanding how much you can afford and whether that number is comfortable for you.&nbsp; I always tell my clients...shopping for a home without a pre-approval is like going to the store without your wallet.&nbsp; It usually doesn't work out that well.<br/>Best,<br/>Ryan</p> Mon, 10 Mar 2014 19:12:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-10T19:12:00Z You should start the mortgage ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ You should start the mortgage pre approval process as the first step in the journey of finding your new home. Getting pre-qualified will be your compass on your journey. The amount you qualify for will tell the agent you're using which houses in the area you can afford. This will then take you to the next step of directing you on how much money you need to save for your down payment and which types of mortgages you qualify for. Some require more money down than others. That is why is important to start the pre-qualification as the first step in you home buying journey. You may be closer to your move date than you think. Good luck! Mon, 10 Mar 2014 15:17:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-10T15:17:00Z As soon as you can! &nbsp;Here's ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ As soon as you can! &nbsp;Here's why:<br/>1. Your credit score<br/>In order to overcome any potential obstacles in your credit history, it may take some time. &nbsp;In some cases a few months to get your credit score high enough. &nbsp;The higher your score, the better deal you get.<br/>2. &nbsp; Mortgages need a lot of documents and it may take some time for you to get them all together. For example: &nbsp;Any large deposit that isn't from your paycheck is going to need to be explained.<br/>3. Realtors want to know you're pre-qualified before taking you to look at houses<br/>4. The buying process can take a while, especially for things like appraisals, inspections, underwriting.<br/>5. It can help you determine how much down payment you want to have, which programs you're eligible for.&nbsp;<br/><br/>Lastly, there is no harm in applying too early. Feel free to call me using my contact info in my profile if you'd like to talk more! Mon, 10 Mar 2014 15:15:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-10T15:15:00Z Hello! You should start looking ... http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ Hello! You should start looking into the mortgage process now. First step would be to check your credit to insure it's up to date, accurate and your scores meet program guidelines. After your credit is pulled, we can then see how much of a loan you can qualify for. That way you have a price range to look at with your Realtor. Please let me know if you have any other questions or if I can be of assistance. :) Mon, 10 Mar 2014 15:01:00 GMT http://www.zillow.com/advice-thread/When-should-I-apply-for-a-mortgage/531668/ 2014-03-10T15:01:00Z