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5 Things Your Mortgage Broker Wishes You Knew

House Keys Paperwork

Buying a Home sometimes can be a nightmare.  To change this nightmare make sure you have a Mortgage Broker on your side.

I found this great article and wanted to share on “5 Things Your Mortgage Broker Wishes You Knew”


If you want a dependable and informed Mortgage Broker call me 816-728-1384.

Please share with your family and friends!


Cindy Seely

NMLS # 245378, Mo 10-1649-MLO, Ks 0009720

5 Signs that you are ready to buy your first home

House w CoinsHow do you know when the time is right to buy your first home?  Are you personally and financially ready to buy your first home?

Buying a home is one of the most expensive purchases you will make in a lifetime.  Look at buying your new home as a business decision and not an emotional one.   After all buying a home is a long term financial commitment.

You are ready to buy when…

  1. You have a reliable income source.

You are confident that your current income will stay the same or increase over the next few years.  Buying a home is a long term commitment so you want to make sure that you are in a position to continuously make your mortgage payments.

2. You have a budget and know how to use it. 

Owning a home comes with many expenses so money management is imperative.  Tracking and knowing where your money goes every month is very important.  A great place to get started tracking your spending and budget is  This will also give you an idea of the maximum you should spend on your new home and ideas on how to get your debts under control.

In regards to you “expected” cost of owning your new home.  I would suggest doing some research in the area you want to own for property taxes, homeowners insurance, homeowners association dues, maintenance / upkeep costs, projected utilities as well as costs for commuting.

3. You have a savings for your down payment & additional funds.

You should be saving for a down payment but also emergency fund and moving expenses.

Down payment:  most loan programs require a minimum of 3% – 3.5% down payment.  There are loan programs out there the offer 0% down VA and USDA loans.

Additional Funds: I would suggest having additional funds saved after closing on your new home.  You will have moving expenses and you will also want to plan for home maintenance and emergency fund.  It is best to plan and prepared ahead.

4. Your credit score and report is in good shape. 

The higher your credit scores the lower the interest rate and monthly payment on your mortgage will be.  While you don’t have to have perfect credit you will need to be paid as “agreed” the last 12 to 24 months.

5. Get Pre-Approved. 

Contact me to get pre-approved before going shopping for your new home.  And as always if you have any questions please reach out to me.

One of the Many Benefits of Owning Your Own Home is Building Equity. You want to take advantage of building equity As the gap between how much you owe and what the property is worth widens, the equity in your home builds along with building your family’s financial foundation.

Home-Buyer Handbook

Buying your new home can be overwhelming and confusing.  In my 19 years as a mortgage broker I see first hand this confusion.  I found some material I put together that will assist you.

I am sharing a E-Book that will help release some of the confusion of the home-buying process.

Click this link for a copy of:

Cindys Home-Buyers-Handbook 2014

After downloading the Home-Buyers Book I would suggest saving it for future reference.  Then sit back breathe and relax as you read this book.

Please share with your family and friends!


Cindy Seely

NMLS # 245378, Mo 10-1649-MLO, Ks 0009720