17分
5 Steps To Getting A Mortgage New Home Buyers Guide Podcast
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There's a lot that goes into getting a mortgage. Join Jeremy as he interviews Ryan Langley, VP Branch Manager of Ruoff Mortgage in Bloomington, IN, on just how to get there.
Freebie:
Get your money right video series
Level up:
New Home Buyer’s Guide comprehensive ecourse
Contributors to this episode include:
Host - Jeremy Goodrich Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around:
SUBSCRIBE on Apple Podcasts. REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening!
More great stories & information at:
YouTube - Podcast - Pinterest
Course - Shine Insurance Full Transcript:
Jeremy Goodrich: I'll introduce you again and then I'll pick the one I like better.
Ryan Langley: Okay. No problem.
Jeremy: We'll see how this intro goes. All right. Hey this is Jeremy from Shine Insurance and today I've got a special guest on our channel and his name is Ryan Langley. Ryan is the vice president branch manager of Ruoff Mortgage here in Bloomington, Indiana. He's a mortgage lander, and he has tons of information for us about exactly how to go about getting a mortgage and the processes you should think about. Now, in this video we're not going to talk about kinda the back end of very ends of the process. We're going to talk about maybe the most important part of the mortgage getting process. I don't even know if that's an actual phrase, but we're going to talk about the five steps you need to take before even considering buying a house. So Ryan, thank you so much for being with us today.
Ryan: Thanks for having me.
Jeremy: Okay. I'm really excited, I've decided I want to buy a house. I'm going to go out, I'm going to get a realtor, I'm going to start looking at houses right away. Is that what I should do?
Ryan: No.
Jeremy: And so why not?
Ryan: Yeah. Getting the realtor is definitely part of the process.
Jeremy: Mm-hmm (affirmative).
Ryan: You're going to want to kinda keep that part of mind up front. But there's several steps that you should take prior to going out and rushing out and making an offer on a home. For starters, most realtors are going to want to make sure that you've got your ducks in a row and have taken some steps to make sure that you're ready to buy a house before they can even start showing you the home.
Jeremy: What do you mean by ready to buy a house? What do I need to be to be ready to buy a house?
Ryan: Sure, sure. The first thing that I will always advise anybody that comes into office that's just thinking about it, just at the very early stages, is to take care of those things that you know might be an issue in your credit report.
Jeremy: Mm-hmm (affirmative).
Ryan: You know that you've got some late pays, or you routinely pay late on the credit cards, due loans, auto loans, you name it, on the type of debts that you may have out there. Make sure you get your house in order regarding your current debt obligations. That doesn't mean pay them off necessarily, but that definitely means make sure that you're current on every single payment and that you have been current on them. If you're habitually late on your payments each month, that's often times viewed as a negative on your credit report and your credit score will reflect that.
Jeremy: Mm-hmm (affirmative).
Ryan: That would be one of the very first things that you should think about if you're thinking about purchasing a home, is making sure that everything's up to date and you're paying things on time.
Jeremy: So figuring out your credit score is really that number one?
Ryan: Mm-hmm (affirmative).
Jeremy: Being up to date on payments is one way of addressing your credit score. When you see people trying to fix their credit scores, are there some more important things than others?
Ryan:
There's a lot that goes into getting a mortgage. Join Jeremy as he interviews Ryan Langley, VP Branch Manager of Ruoff Mortgage in Bloomington, IN, on just how to get there.
Freebie:
Get your money right video series
Level up:
New Home Buyer’s Guide comprehensive ecourse
Contributors to this episode include:
Host - Jeremy Goodrich Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around:
SUBSCRIBE on Apple Podcasts. REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening!
More great stories & information at:
YouTube - Podcast - Pinterest
Course - Shine Insurance Full Transcript:
Jeremy Goodrich: I'll introduce you again and then I'll pick the one I like better.
Ryan Langley: Okay. No problem.
Jeremy: We'll see how this intro goes. All right. Hey this is Jeremy from Shine Insurance and today I've got a special guest on our channel and his name is Ryan Langley. Ryan is the vice president branch manager of Ruoff Mortgage here in Bloomington, Indiana. He's a mortgage lander, and he has tons of information for us about exactly how to go about getting a mortgage and the processes you should think about. Now, in this video we're not going to talk about kinda the back end of very ends of the process. We're going to talk about maybe the most important part of the mortgage getting process. I don't even know if that's an actual phrase, but we're going to talk about the five steps you need to take before even considering buying a house. So Ryan, thank you so much for being with us today.
Ryan: Thanks for having me.
Jeremy: Okay. I'm really excited, I've decided I want to buy a house. I'm going to go out, I'm going to get a realtor, I'm going to start looking at houses right away. Is that what I should do?
Ryan: No.
Jeremy: And so why not?
Ryan: Yeah. Getting the realtor is definitely part of the process.
Jeremy: Mm-hmm (affirmative).
Ryan: You're going to want to kinda keep that part of mind up front. But there's several steps that you should take prior to going out and rushing out and making an offer on a home. For starters, most realtors are going to want to make sure that you've got your ducks in a row and have taken some steps to make sure that you're ready to buy a house before they can even start showing you the home.
Jeremy: What do you mean by ready to buy a house? What do I need to be to be ready to buy a house?
Ryan: Sure, sure. The first thing that I will always advise anybody that comes into office that's just thinking about it, just at the very early stages, is to take care of those things that you know might be an issue in your credit report.
Jeremy: Mm-hmm (affirmative).
Ryan: You know that you've got some late pays, or you routinely pay late on the credit cards, due loans, auto loans, you name it, on the type of debts that you may have out there. Make sure you get your house in order regarding your current debt obligations. That doesn't mean pay them off necessarily, but that definitely means make sure that you're current on every single payment and that you have been current on them. If you're habitually late on your payments each month, that's often times viewed as a negative on your credit report and your credit score will reflect that.
Jeremy: Mm-hmm (affirmative).
Ryan: That would be one of the very first things that you should think about if you're thinking about purchasing a home, is making sure that everything's up to date and you're paying things on time.
Jeremy: So figuring out your credit score is really that number one?
Ryan: Mm-hmm (affirmative).
Jeremy: Being up to date on payments is one way of addressing your credit score. When you see people trying to fix their credit scores, are there some more important things than others?
Ryan:
17分