5 Steps To Getting A Mortgage

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. 

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Contributors to this episode include:

• Host - Jeremy Goodrich 
• Copy Editing - Talia Chakraborty

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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