Article #: 10
Initials of Content Writer: BDD
Date of Article Creation: 1/14/2017
Company: 1st Capital Mortgage
Keyword: Mortgages in Oklahoma

Mortgages in Oklahoma: Best Rates
This content was written for 1st Capital Mortgage

1st Capital Mortgage is the place to go in Oklahoma if you’re looking for mortgages in Oklahoma. The reason is is because they are responsible, personal, and fast. If you are looking for a mortgage, you don’t want a company that is going to take days and weeks to get you approved for it. You want a company that is going to be personal with you and get you approved as fast as possible. To get in touch with 1st Capital Mortgage give them a call at 918-274-1519.

In order to make the mortgage process go as smoothly as possible when you’re applying for mortgages in Oklahoma you want to make sure that you have your financial life in order. There are a few key components to having your financial life in order when it comes to applying for any type of lending, loan, or mortgage. The first thing that you need to make sure is on point is your credit score. If you have a low credit score is going to be very hard for you get a loan no matter what. A low credit score screams to lenders that you are an unreliable and risky investment for them to make.

Your credit score is composed of your credit history, your current debt to credit ratio, and any financial issues that you have had in the past. The better your debt to credit ratio is the higher your credit score is going to be. The longer your credit history is, the better your credit score is going to be. If you have very few issues with your financials and debt payments in the past, the higher your credit score is going to be. Put very simply when you’re looking to apply for mortgages in Oklahoma the more responsible you have been with your debts in the past, the more likely you’re going to continue to have lenders want to give you money in the future.

The second part that you want to pay attention to is your income to debt ratio. The more income you have coming in and the less debt you have on your books, the more favorable you look to lenders. Again, what lenders are looking for is people who are going to pay them back. If you look like a person who is able and willing to pay them back then, the lenders are more likely to give you money. Not only are they willing to give you money but they’re willing to give you money for a lower interest rate.

If you’re looking to get the best rate on your mortgage and get your mortgage approved in as little time as possible with a personal touch, then contact 1st Capital Mortgage. 1st Capital Mortgage is going to ensure that they get you your mortgage approved as fast as possible if it is possible. Your side of the bargain is to make sure that your financial life is in order as well as it can be. To contact 1st Capital Mortgage call 918-274-1519. To learn more about 1st Capital Mortgage go to their website www.1stcapitalok.com.

Article #: 9
Initials of Content Writer: BDD
Date of Article Creation: 1/14/2017
Company: 1st Capital Mortgage
Keyword: Mortgages in Oklahoma

Mortgages in Oklahoma: Interest Rates
This content was written for 1st Capital Mortgage

1st Capital Mortgage has the fastest and most personal mortgage process in Oklahoma. Therefore, if you’re looking for mortgages in Oklahoma there is no better place to go than 1st Capital Mortgage. 1st Capital Mortgage wants to ensure that every single person that comes to them get approved for a mortgage. Is this possible, probably not but 1st Capital Mortgage works extremely hard to make it happen. The contact 1st Capital Mortgage call 918-274-1519.

The only mortgage company that you would need to go to if you’re looking for mortgages in Oklahoma is 1st Capital Mortgage. 1st Capital Mortgage is going to do everything in their power to get you approved for a mortgage so that you can buy your dream home. They work with many different types of lenders, clients, and mortgages. There are very experienced in the mortgage process and no all of the tools and tricks to help people get approved. The last thing they want to do, however, is get somebody in over their head.

About the only thing worse than getting denied for a mortgage is getting approved for a mortgage that you cannot pay for and that puts you under significant stress. If you get approved for a mortgage that you can’t actually afford what is going to end up happening is you are going to be foreclosed on because you cannot make your monthly mortgage payments. This is a far worse situation than not getting approved in the first place. At least if you don’t get approved in the first place nothing major changes in your life and you just go back to the status quo. This is not a situation that you want to find yourself in.

The best way for you to mitigate this happening from you when you are looking for mortgages in Oklahoma is to make sure that you have your financial situation under control. There are a few things that you need to make sure that are under control before you can even think about buying a house. The first thing that you want to make sure is firmly in place is a constant stream of income. If you don’t have a constant stream of income than a dozen make any sense to be taking on debt that you’re going to have to be paying off on a monthly basis. If you have a monthly mortgage payment then you better make certain that you have a monthly paycheck coming in as well.

The second thing that you need to pay attention to is the amount of debt that you are carrying. If you are carrying a significant amount of debt than it’s probably not a good idea to take on more debt. First you want to pay down as much debt as you possibly can and this is also going to increase your credit score which will in turn decrease your interest rate on your mortgage. The two financial pieces of the puzzle that you need to get in place before you should even be thinking about a mortgage is an income stream and your debt or credit score. To learn more about these things and mortgages call 1st Capital Mortgage at 918-274-1519.