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Joel and Jodi Redmond July 11, 2023

The Impact of Your Employment History on Mortgage Approval

When it comes to applying for a mortgage, lenders take various factors into account to determine your eligibility. One crucial aspect they consider is your employment history. Your employment history provides lenders with valuable insights into your financial stability, income consistency, and ability to repay the loan.

Filed Under: Mortgage Tips Tagged With: Credit Score, Mortgage, Mortgage Loan

Joel and Jodi Redmond June 9, 2023

Will Pre-Approval for a Mortgage Hurt My Credit Score?

To understand how pre-approval affects your credit, we need to discuss credit inquiries. When you apply for credit, such as a loan or credit card, the lender typically pulls your credit report to assess your creditworthiness. These inquiries are categorized as either “hard” or “soft.”

Filed Under: Mortgage Tagged With: Credit Score, Mortgage, Pre-Approval

Joel and Jodi Redmond June 1, 2023

Does My Current Debt Affect Getting A New Mortgage?

It’s important to manage your debt carefully and maintain a good credit score if you’re planning to apply for a new mortgage. By evaluating the following and staying on track, you can ensure that you’re ready for the financial responsibilities of a mortgage and can make an informed decision about homeownership.

Filed Under: Mortgage Tagged With: Credit Score, Debt to Income, Mortgage

Joel and Jodi Redmond September 15, 2022

What To Know About Your Debt-To-Income Ratio When Buying A Home

When you apply for a mortgage, your lender will do some quick math to figure out how much of a loan you can afford. Your lender will consider many factors, and one of the most important ones is your debt-to-income ratio.

Filed Under: Mortgage Tagged With: Credit Score, Debt to Income, Mortgage

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Joel and Jodi

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Call Us! (281) 218-6848
Legend Home Lending
Joel NMLS #231806
Jodi NMLS #231807
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Joel & Jodi Redmond
17047 El Camino Real
Suite 150
Houston, TX 77058

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