Mortgage Loan Toolkit
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Thanks for your interest in First National Bank's Mortgage Loan Toolkit. See the link at the bottom of this page to view or download a copy today!
First National Bank's mortgage lenders would be glad to answer any questions you may have about getting a mortgage loan and can assist you with prequalification, so you are ready to make an offer on the home of your dreams.
In response to your inquiry, one of our mortgage lenders will be contacting you to see if there is anything they can do to help you get into your new home. Please don't hesitate to take advantage of their knowledge and years of experience. Let's Make Homeownership Happen for YOU!
View or Download the Toolkit
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Secrets from Our Mortgage Experts
Using these strategies can help increase the likelihood of your loan's approval.
- Check and improve your credit score. Your credit score is crucial in determining your mortgage eligibility and interest rate. Make sure to check your credit report for errors and work on improving your score.
- Include all income sources. Make sure to include all income sources on your application, such as alimony and child support.
- Reduce your debt-to-income ratio. Try to pay down any existing debts before applying for a mortgage.
- Avoid new credit applications. Each new credit application can lower your credit score. Avoid applying for new credit cards or loans before and during the mortgage application.
- Demonstrate financial stability. Lenders look for stable employment and consistent income. Avoid changing jobs or making large purchases during the mortgage application process.
- Double-check your application. Ensure all information on your application is accurate and complete. Errors or omissions can lead to delays or denial.
- Gather necessary documentation. Be prepared with all required documentation, such as tax returns, pay stubs, bank statements, and proof of assets. This can speed up the approval process.
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