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Tulsa Mortgage :  Podcast 4 – Part 2

Tulsa Mortgage when I get your actual income documents and find out that you only make 12 bucks an hour have to resend my qualification into walls die when that happens seriously every time that happens we have to take a koala they die and no one wants to dilute the hypothetical call like if a koala love you were you you you get my point anyway provide accurate information because I was a loss for to figure that out and then from that if you give me a can information you’ll know exactly what you qualify for here’s the thing will call this a will we call it like a mystic statistic a little stat for you always a business that okay most people qualify for more house than what they actually want to buy and his wife because just because I tell you your golf qualify

Tulsa Mortgage for a 1800 or mortgage payment doesn’t mean that’s what you’re comfortable with and so tardy do you see that happening all the time we got a couple of minor you that would qualify for 23 times what they’re want to buy but it’s fun to go through that process right it’s totally fun to tell the the Joneses that they can buy a 280,000 house but perhaps and down but want one of two things were both things are limiting them either the developer requires down payment and they don’t have the down payment on 280,000 or thereafter payment do you know without talking to a lender Tyler what you’re comfortable with and a mortgage payment without me tell you what you qualify for a man ought uncomfortable spending every month. I did really anybody tell me what uncomfortable with the threat check custom Graham said make sure you file your taxes legit yet that’s true you need to make sure he do that and some is ask about stated income loan off talking up the off-line there are some that’s a good little too heady minutes ago and for another podcast so most people qualify like I gave the reference of the the Jones family that may qualify for a lot more house than they actually want and so it’s like I said it’s fun to go through that process to find out what it is exactly that you qualify qualify for but then the reality of what you want your payment so we just organic contract tomorrow I think on a client that is in the same boat there to bite about 150,000 and they would easily qualify for

Tulsa Mortgage about 250 is just a preference just which preferences Gus so well sour my missing on that something we haven’t really talked about is we talked about what is in a qualifying and the organ to go out there in a talk to one or maybe two and on people think that going to the slices and let an employer credit will hurt their credit so maybe we should… Yes so I call at the it’s one of the biggest myths of a mullet Tyler switchover to the Facebook fever quickly can see some comments but okay every single day have a conversation with somebody and they say lottery talk to another lender and they were told qualify for and I going to a credible because my scooter drop truths or not Tyler fiction fiction fiction fiction is what that is slowing time because attorneys were under don’t shop right on this. It’s a scare tactic it’s a sales tactic the people say don’t get your credible by another lender your school drug dramatically Tyler what nature score dramatically messing up your credit not Nielsen data that’s what’s can make short of having another inquiry on your credit from a lender or two is not going to make your credit score drop dramatically here what happens you go into ABC lender they say hey buddy regards you

Tulsa Mortgage Tulsa hey I know you have a 781 credit score which is like perfect but don’t we try to pull anybody else because your score drop shadow 780 LBO to get you that good deal right right they want to shop or let’s say you have some eye to bad credit bill citizen think Tulsa hey man geez to your lucky I barely got you qualified but I don’t want you to scribble by males discourse popular drug dramatically its malarkey and so here’s the truth of all of that if you’re credit scores pulled by a mortgage lender today and another wonderful tomorrow and another blunder pulls at the next after that in 30 days from when that first inquiry happened they’re going to take all those inquiries are available to get around, as one wiry that’s right one inquiry it’s happening a that airborne the little crazy you little out of you can’t you can’t stop the airport boat that’s what happens a spicy hot records that the spicy hot sauce that the spicy hot sauce we more questions coming in from from the Facebook feed their bro Rob napkins that he likes this I’ll drop you robs a mortgage guy at they got there for no into Florida so they Rob yet what we try to have fun and here Tyler let’s recap for everybody soapmaking application to a lender

Tulsa Mortgage making sure that when you make that application that the information included in that application is accurate because I’m going to find out so don’t try to hide it from your lender is can happen what credit qualifies about credit Co. wall flying is about what I’m if the question is looking to go and we are saying we’re all of it is you can dilute you to listen credit qualifying visit me credit qualifying continues to Google Earth LaBarge Esquivel I need a new cohost his military ice phone we talked about credit qualifying qualifying about maybe get the to be determined underwrite maybe having underwriter look at your credit heaven under a look at your income to make sure that you are certain that you can buy a house and a ton that you’re only mistake 1 euro to make today the scinto meaning he’s messing with us that he wanted to set and then we talk about how to make sure how to know how much how she qualify for digging up to that Tyler is a clear before you talk to wonder talking to talk to a lender talk to talk to lender about what you qualify for and you’ll likely find out that it will be a fun exercise to go through and see what you qualify for but you will probably dial that down because a lot of

Tulsa Mortgage people qualify for more than they want so on a hit this think is at its is careless and I think I don’t know to play I careless whisper but I think it if you don’t know what you qualify for a friend in your being careless him him so anyway that’s the story for that totally what we when we miss it on our art are three things that Lisa that out know that the other point was get your credible by another lender you and how that doesn’t dramatically drop your score so just where that guys that is not true so don’t be afraid to shop around and get some rates and information from multiple lenders because that will make sure that you get the best possible deal and if you do that you will see that Steve Curtin.com and totally concepts has the best Tulsa mortgage available to anyone ever out there ever ever ever ever and with that will see you at the next podcast folks