When you are ready to buy your dream home you realise that you need a loan to finance it. You are not worried about taking the loan but about the interest you have to pay. Though you must pay an interest, very often intelligent thinking can help you score low mortgage rates.

What you need to ensure

  • Make sure you have a high credit score. When banks see this they feel that you are secure and will not default on the loan so they offer you the benefit of a lower interest rate. To improve your credit score:
  • Do not spend more than 30% of your credit limit,
  • Do not carry credit card debt
  • Pay all your bills on time
  • If you put some cash down you will score a low mortgage rates. The more you put down the better.
  • Search online for the best rates. You need not necessarily settle with your bank.
  • Make sure you have at least two years of steady employment and have the proof of salary with you.

 Refinance

Remember you have the option of refinance mortgage if you want to pay off your mortgage and get a little bit extra cash. You need not worry because low cash out mortgage rates will help you own your dream home without a worry.

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