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Qualifying for Mortgage Assistance

Applying for a mortgage can seem like an invasion on your life and everything within in it, because the lender will want to know everything there is about you in order for them to consider your application. Although the lender may ask you all these questions what they really only need to know about is your:

  • Income
  • Employment
  • Household information generally for the property you are looking to buy

The reason that the lender will ask you for all of these details is so they can arrive at the best possible monthly payment for you without putting a strain on your living expenses, therefore creating possible hardship in the future.

The following information is just some of the things that a lender will consider when deciding whether or not you will qualify for the loan:

Expenses and household income

It isn’t just the total amount of your income that the lender will look at; how you earn your income is also very important to them because they can vary each year. Such examples are:

  • Commissions
  • If you work overtime
  • Bonuses that are part of your income

If your income is a large percentage of these things, then the servicer will want to make sure that these are going to be a reliable source of income.

The relationship between your expenses and income will also be considered by the servicer. Factors such as:

  • Insurance
  • Mortgage payments
  • Property taxes

If these expenses are more than 28% of your income then it may be that the lender will not feel you qualify for a mortgage because you could pose a higher risk to them. Things such as repairs and maintenance of your home will not be included. Other things they will look at are:

  • Other debts you may have
  • College loans
  • Vehicle loan
  • Other credit agreements



Loan Modification Specialists has over 10 years experience of which thousands of Foreclosure cases have been prevented. 

We can Stop Foreclosure. We can lower your payments and we have multiple alternatives to help you get your finances back on track. Get Started Today!

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Additional Details:

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We take pride in knowing that we worked as aggressively and strategically as possible to ensure that our clients are protected. Our staff of foreclosure litigation and loan modification experts worked diligently with each and every client, ensuring that we have dotted our Is and crossed our Ts in every aspect throughout our relationship. Our network of supporters include industry experts such as real estate and mortgage brokers, private lenders, hard-money lenders, investors, auditors among others reinforce our processes by supplying us opportunities that overcome almost any obstacle.

This what makes makes us different and this is why we are successful.

We work with all banks and mortgage lenders: