{"id":1767,"date":"2021-09-28T10:00:14","date_gmt":"2021-09-28T10:00:14","guid":{"rendered":"https:\/\/www.discoveryhomes.com\/blog\/?p=1767"},"modified":"2025-02-19T18:11:36","modified_gmt":"2025-02-20T01:11:36","slug":"beginners-guide-to-mortgages","status":"publish","type":"post","link":"https:\/\/www.discoveryhomes.com\/blog\/beginners-guide-to-mortgages\/","title":{"rendered":"Beginner\u2019s Guide to Mortgages"},"content":{"rendered":"\n<p>If you\u2019re planning on buying a new home, chances are you\u2019ll\nneed to get a mortgage. But what exactly is a mortgage and how does it work? We\nhave you covered. Read on to learn all the ins and outs about mortgages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is a mortgage?<\/h3>\n\n\n\n<p>A mortgage is a secured loan for the purpose of purchasing or refinancing real estate. Mortgages enable people to buy a home without having the full amount upfront.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who gets a mortgage?<\/h3>\n\n\n\n<p>The majority of homebuyers rely on mortgages to purchase a\nhome. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How mortgages work<\/h3>\n\n\n\n<p>When you get a mortgage, your lender will provide the funds you need to purchase a home. You promise to pay them back, with interest, over a set amount of time. The bank will technically own your home until you finish repaying the mortgage, so if you fail to uphold the end of the deal, they will reclaim the home. <\/p>\n\n\n\n<p>Each month you\u2019ll pay a set amount towards your loan. Your\nmonthly mortgage payment is split into four main categories:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Principal: this is the specific amount you\nborrowed. <\/li><li>Interest: this is the rate you\u2019re charged\nmonthly by your lender. <\/li><li>Taxes: this is your property tax. You\u2019ll usually\npay 1\/12<sup>th<\/sup> of your annual tax bill each month.<\/li><li>Insurance: lenders require homeowners to carry\nhome insurance to protect the home against hazards like fire, theft, or\naccidents. Depending on how much you put down, your lender may also require you\nto get private mortgage insurance as well.<\/li><\/ol>\n\n\n\n<p>Don\u2019t be discouraged if you look at your mortgage bill and\ndon\u2019t see the principal going down. The earlier years of your mortgage is spent\npaying interest. Over time, you\u2019ll start paying more principal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How do you qualify for a mortgage?<\/h3>\n\n\n\n<p>You must meet certain eligibility requirements to qualify for a mortgage. The specific requirements vary by lender and the loan program you\u2019re applying for. Check with individual lenders to learn more about their requirements but here\u2019s what you can expect:<\/p>\n\n\n\n<p><strong>Credit score: <\/strong>think of your credit score as your\nfinancial report card. It shows lenders how responsible you are with paying\nyour debt. Lenders also use your credit score to determine the interest rate on\nyour loan. The higher your credit score is, the better your interest rate will\nbe, that\u2019s why it\u2019s important to <a href=\"https:\/\/www.discoveryhomes.com\/blog\/top-5-reasons-to-check-your-credit-score-monthly\/\">regularly\ncheck your credit score<\/a>.<\/p>\n\n\n\n<p>Check with your lender for specific requirements.<\/p>\n\n\n\n<p><strong>Debt-to-income (DTI) ratio: <\/strong>the debt-to-income ratio\nis the total monthly debt payments divided by your gross (pre-tax) monthly\nincome. Lenders use the DTI ratio to measure how much debt you\u2019re carrying and\nyour ability to repay them. The Consumer Financial Protection Bureau recommends\nhaving a DTI of less than 43%.<\/p>\n\n\n\n<p><strong>Income: <\/strong>your lender wants to know you have a stable and reliable income to repay the loan. They\u2019ll check this by reviewing your paystubs, W-2s, income tax returns, or any other financial document that shows you have the income needed to make payments. They\u2019ll also check to see how often you change jobs and how long you usually stay.<\/p>\n\n\n\n<p><strong>Down payment: <\/strong>the down payment is the amount you pay\nupfront; think of it as a deposit. Your final loan amount will be the remaining\nbalance on the sales prices minus the down payment. Not all loan programs\nrequire a down payment (check with your lender for specifics) but the higher\nyour down payment, the lower your mortgage will be. <\/p>\n\n\n\n<p><strong>Savings: <\/strong>think of these as your rainy-day funds.\nLenders want to know that you\u2019ll still be able to meet your debt obligations\neven if you\u2019re going through a hard time. You can use money in your checking\nand savings accounts, investments, vested retirement account assets, or the\ncash value of insurance policies to meet this mortgage reserve requirement.<\/p>\n\n\n\n<p>Don\u2019t focus on how much you qualify for; focus on finding a mortgage that\u2019s affordable for you. Sometimes you\u2019ll qualify for more than you may be comfortable borrowing. If that happens, you don\u2019t have to borrow the full amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Types of mortgages&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/h3>\n\n\n\n<p>There are two main types of mortgages: fixed-rate and adjustable-rate mortgages (ARM).<\/p>\n\n\n\n<p>Fixed-rate mortgages have interest rates that remain the\nsame during the life of the loan, even if interest rates change. These are the\nmost common loan type. You\u2019ll pay the same amount each month, which can make it\neasier to budget monthly. You also don\u2019t have to worry about wild swings in the\ninterest rates since you\u2019ve locked in your rate from the start.<\/p>\n\n\n\n<p>Adjustable-rate mortgages have interest rates that adjust at\npredetermined intervals, so your mortgage payment may increase or decreases\ndepending on the prevailing interest rate at the time of each adjustment. ARMs\nusually come with a rate cap so your mortgage payment won\u2019t spiral out of\ncontrol so it\u2019s important to ask your lender what the maximum amount you could\npotentially pay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How long do I have to repay?<\/h3>\n\n\n\n<p>The length of time you have to repay a mortgage is called a term and can range between 10 and 30 years, though most people choose between a 15-year or 30-year term. Longer terms usually mean lower monthly payments since you can stretch out payments over a longer period. While shorter loan terms come with higher monthly payments, you\u2019ll also save by paying less interest over time.<\/p>\n\n\n\n<p>Here\u2019s more information about the differences between <a rel=\"nofollow\" href=\"https:\/\/www.investopedia.com\/articles\/personal-finance\/042015\/comparison-30year-vs-15year-mortgage.asp\">15-year\nand 30-year mortgages<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Keep learning about mortgages<\/h3>\n\n\n\n<p>There are several online resources available to expand your\nunderstanding of mortgages. Once you begin working with lenders, they will be\nable to answer your questions and help guide you to the right mortgage program\nfor your situation.<\/p>\n\n\n\n<p>Mortgages are a major commitment so you\u2019ll feel more\nconfident about what you\u2019re signing up for once you know more about them. <\/p>\n\n\n\n<p>When you\u2019re ready to start your journey to your new home, visit us at <a href=\"https:\/\/www.discoveryhomes.com\/\">DiscoveryHomes.com<\/a>. to learn more about our new home communities throughout Northern California! We look forward to helping you find your home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re planning on buying a new home, chances are&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1768,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[293,115,116,312],"class_list":["post-1767","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homebuying-tips","tag-first-time-homebuyers","tag-homebuying","tag-homebuying-tips","tag-mortgage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beginner\u2019s Guide to Mortgages - Discovery Homes Blog<\/title>\n<meta name=\"description\" content=\"Not sure what exactly a mortgage is and how it works? We have you covered. 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