{"id":886,"date":"2021-01-21T05:22:37","date_gmt":"2021-01-21T05:22:37","guid":{"rendered":"https:\/\/www.kylenmccray.com\/?page_id=886"},"modified":"2021-10-28T14:55:50","modified_gmt":"2021-10-28T14:55:50","slug":"resources","status":"publish","type":"page","link":"https:\/\/www.kylenmccray.com\/resources\/","title":{"rendered":"Resources"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221;][et_pb_fullwidth_header title=&#8221;Mortgage Tips&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;|700||on|||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#ffffff&#8221; title_font_size=&#8221;42px&#8221; background_color=&#8221;rgba(0,0,0,0.57)&#8221; background_image=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/01\/mortgage-banner-.jpg&#8221; background_blend=&#8221;overlay&#8221; height=&#8221;435px&#8221; height_tablet=&#8221;250px&#8221; height_phone=&#8221;&#8221; height_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;display: flex;||flex-direction: column;||justify-content: center;&#8221; title_text_shadow_style=&#8221;preset1&#8243; title_text_shadow_color=&#8221;#000000&#8243;][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_column _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; type=&#8221;4_4&#8243;][et_pb_code _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div id=\"homebot_homeowner\"><\/div>\n<p> <script> (function (h,b) { var w = window, d = document, s = 'script', x, y; w['__hb_namespace'] = h; w[h] = w[h] || function () { (w[h].q=w[h].q||[]).push(arguments) }; y = d.createElement(s); x = d.getElementsByTagName(s)[0]; y.async = 1; y.src = b; x.parentNode.insertBefore(y,x) })('Homebot','https:\/\/embed.homebotapp.com\/lgw\/v1\/widget.js'); Homebot('#homebot_homeowner', 'f0975bdba8e514ac9b51d81edd2031629a7ff37199b5bdab') <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Blog Section&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_blog fullwidth=&#8221;off&#8221; posts_number=&#8221;3&#8243; include_categories=&#8221;all&#8221; show_more=&#8221;on&#8221; show_author=&#8221;off&#8221; show_date=&#8221;off&#8221; show_categories=&#8221;off&#8221; show_pagination=&#8221;off&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Roboto|500|||||||&#8221; header_font_size=&#8221;24px&#8221; read_more_font=&#8221;Roboto|||||on|||&#8221;][\/et_pb_blog][et_pb_button button_url=&#8221;https:\/\/www.kylenmccray.com\/category\/blog\/&#8221; button_text=&#8221;More Blogs&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;22px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#eab000&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;#ffffff&#8221; button_border_radius=&#8221;3px&#8221; button_font=&#8221;Roboto||||||||&#8221; button_icon=&#8221;%%3%%&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#d09d04&#8243; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221;][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;|800|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_font_size=&#8221;32px&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Steps to Simplify the Mortgage Process<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221;]Are you a first-time home buyer looking to start your home loan process?<br \/>\nOr are you looking to refinance your current mortgage so you can save some money?<\/p>\n<p>Regardless of which of these categories you fall into, the process for obtaining your mortgage is similar.<\/p>\n<p>Buying a home can be a trying process given how many parties are involved in the process like real estate agents, loan officers, insurance reps, title &#038; escrow officers, etc. Not to mention the speed and urgency a prospective buyer must have given the competitiveness of today\u2019s real estate market. <\/p>\n<p>Which is why working with a trusted real estate and lending partner is critical for their success,  not to mention being proactive in the lending process. <\/p>\n<p>Meaning one must follow a set of best practices to get a mortgage, prior to submitting offers, in order to know if they are qualified for the home, and to ensure a quick close during the loan process. <\/p>\n<p>Ultimately, getting a mortgage is something that buyers need to prepare for given it\u2019s likely the biggest purchase of their lives.  <\/p>\n<p>Below are some steps for helping to prepare for the mortgage process and tips and tricks to ensure buying a home is as smooth as possible. [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221;][et_pb_row _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Have a targeted approach<\/h2>\n<p>Rather than applying with multiple organizations it is best to work with one or two loan officers that will research the ideal banks and loan programs given the borrowers\u2019 unique circumstances. [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Submit the application<\/h2>\n<p>Most lenders allow you to begin the process online on your mobile device or computer. The application will typically ask for things such as employment information, income documentation, banking information, etc. The purpose of the application and documentation is to show the lender that you are financially stable enough to take on a home loan. [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Check your credit<\/h2>\n<p>When you apply for a mortgage, the first thing lenders do is check your credit, also known as your FICO score. So it\u2019s best to know what your current credit score is, but generally you should monitor your credit on a monthly basis. Keep in mind, free services like Credit Karma are convenient, but not necessarily the same score that lenders check. If you want to know more about this research \u201cFICO scores\u201d on Google. There are tiers of credit and what makes a \u201cgood\u201d score, but just make sure that your credit is as accurate and as high as possible to ensure qualification, and ideal terms for your mortgage.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Provide your documentation<\/h2>\n<p>Focus on providing income (paystubs, 1099\u2019s, W2\u2019s) and asset (bank) statements here. Usually it\u2019s the last two months of paystubs and bank statements, while it requires the last two years of 1099\u2019s, W-2s and tax returns. It is important to respond to all requests for documentation quickly because mortgage rates can change fast.  [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Know your down payment<\/h2>\n<p>Different loans require different down payments. Work with your loan officer to understand the advantages or disadvantages for each program and what the minimum down payment is for the loan program you qualify for. Is it 3%, 3.5%, 10%, 20% or more? You need to know this in advance to understand how much cash you need to close.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>More money upfront<\/h2>\n<p>It is important to know what is affordable for you. So work within your own budget. The rule of thumb is the more money you put down then the lower your total mortgage payment will likely be.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Check for rate and fees<\/h2>\n<p><span class=\"c-mrkdwn__br\" data-stringify-type=\"paragraph-break\"><\/span>If you truly want to know you are getting good terms fill out an application with a few loan officers and compare the loan estimates from each around the same timeframe. It\u2019s important to shop for rates at one time because rates and fees can change on a daily basis due to market dynamics. Following this approach allows you to compare apples-to-apples.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Determine what is ideal for you<\/h2>\n<p>When reviewing your options make sure you focus on what\u2019s ideal for you. Evaluate all of the terms to figure out what makes the most sense for your unique financial situation. Everyone has a different set of life and financial circumstances so work closely with your loan officer to evaluate your decisions from that perspective. [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221;][et_pb_image src=&#8221;https:\/\/www.kylenmccray.com\/wp-content\/uploads\/2021\/03\/down_arrow.png&#8221; alt=&#8221;down_arrow&#8221; title_text=&#8221;down_arrow&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;7%&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;200ms&#8221; animation_intensity_slide=&#8221;20%&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#045184&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;50px|50px|50px|50px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;2000ms&#8221; animation_delay=&#8221;1100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; hover_transition_duration=&#8221;4000ms&#8221; hover_transition_delay=&#8221;50ms&#8221; hover_transition_speed_curve=&#8221;ease-in&#8221; custom_css_main_element=&#8221;||-webkit-animation-delay: 2s;||-moz-animation-delay: 2s;||-ms-animation-delay: 2s;||-o-animation-delay: 2s;||&#8221; locked=&#8221;off&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|300|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;32px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;10%&#8221; animation_starting_opacity=&#8221;100%&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;24px&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;24px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2>Timing is key<\/h2>\n<p>Timing is relative to your unique situation, so don\u2019t worry if you don\u2019t qualify today. Remember that not now doesn\u2019t mean never. Your financial conditions could change and the economy is still very much in flux, so know that it\u2019s not a one-size-fits-all approach. With these tips and tricks, however, you may be better prepared when it comes time to buy your home.<\/p>\n<p>\nBy following these steps buyers help to ensure not only they are aware of the steps, but can also avoid the pitfalls most first-time buyers fall into.\n<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;30px&#8221; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;42px&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#333&#8243; header_2_font_size=&#8221;32px&#8221; text_orientation=&#8221;center&#8221; 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image_src=&#8221;\/\/i.ytimg.com\/vi\/VWuGlEmaOPw\/hqdefault.jpg&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; show_image_overlay=&#8221;off&#8221;][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=&#8221;What A FULL-SERVICE REAL ESTATE LAW FIRM Can Do For You&#8221; src=&#8221;https:\/\/youtu.be\/XZ9MXxpjElw&#8221; image_src=&#8221;\/\/i.ytimg.com\/vi\/XZ9MXxpjElw\/hqdefault.jpg&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; show_image_overlay=&#8221;off&#8221;][\/et_pb_video_slider_item][et_pb_video_slider_item admin_title=&#8221;3 Mistakes Real Estate Investors Should Avoid&#8221; src=&#8221;https:\/\/youtu.be\/y18f8MRqn5g&#8221; image_src=&#8221;\/\/i.ytimg.com\/vi\/y18f8MRqn5g\/hqdefault.jpg&#8221; _builder_version=&#8221;4.6.1&#8243; _module_preset=&#8221;default&#8221; show_image_overlay=&#8221;off&#8221;][\/et_pb_video_slider_item][\/et_pb_video_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Steps to Simplify the Mortgage ProcessAre you a first-time home buyer looking to start your home loan process? Or are you looking to refinance your current mortgage so you can save some money? Regardless of which of these categories you fall into, the process for obtaining your mortgage is similar. 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