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First Time Buyer Tips
Before you start looking for your first home,
we can help you with a mortgage prequalification.
Determine how your credit looks.
Direct Rate Home Loans can help you get pre-qualified and on your way to home ownership! Simply fill out our mortgage prequalification form securely on our website. With a prequalification letter in hand, you know that you may get approved for a mortgage before you even look at your first potential new home.
Some realtors require buyers to get pre-qualified before even starting to house hunt. A simple mortgage prequalification letter can help you narrow your search to find exactly the home you need. It also makes the mortgage application process that much smoother.
Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.
There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.
If you have a credit score below 620, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score.
What are your goals?
Contact Us For a Free Consultation
About Us
We provide a unique home buying experience that educates clients and establishes lasting relationships. We have perfected our team system to give clients a smooth transaction and wow experience! We are here to make your dreams of homeownership a reality!
Company NMLS: 2419164
Nick Saeva NMLS: 2645213
Equal Housing Opportunity
Contact Us
6985 S. Union Park Center
Suite 150
Cottonwood Heights, UT 84047
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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.