Thinking about buying a home but not sure where to start? You may want to think about applying for a mortgage. Maggie Leigh Marshall, Licensed Associate Real Estate Broker, joins Your Future Home to discuss what paperwork is needed to get a mortgage and how to present the best offer possible.
There is a very big difference between being pre-approved and pre-qualified for a mortgage. Marshall talks through what each step means and explains why it's so important to make sure you are pre-approved before jumping into the housing market.
Plus, what do sellers want to see in an offer? Marshall says you need to provide proof-of-funds and a good debt/income ratio. For a reference, she believes your debt shouldn't exceed your income more than 30%. However, the lower the number is the better chance you have to be approved for the house.
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San Mateo County Sheriff ChristinaCorpusspeaks at a news conference following a shooting Monday, Jan. 23, 2023, in Half Moon Bay, Calif. Multiple people were killed in two related shootings Monday at a mushroom farm and a trucking firm in a coastal community south of San Francisco, and officials say a suspect is in custody. (AP Photo/Jeff Chiu)
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