By Mark Lambie
Made famous by the Chattanooga Choo-Choo dance, this
Tennessee city is an attractive place for young couples to settle,
purchase a home, and to start a family. A Chattanooga Mortgage
provider can help you get started, here are some helpful tips to get
you on your way.
1. Gather your paperwork. Yes, sooner or later you will be asked for
more documentation than you thought possible. Lenders will want
this material and some government agencies require the information
too. Chief item needed include: the last three years of your state
and federal income tax filings - lender will want to verify that you
have the ability to repay what you borrowed; your pay stubs;
personal and job references; your social security card; a picture i.d.;
bank statements including checking and savings accounts; and any
other paperwork required. Some Chattanooga mortgage companies
may have different requirements; make sure you understand what
they need in order to move the process along.
2. Select a lender. Search the internet and enter ¡°Chattanooga
Mortgage¡± into your search box. The results should list several good
ones; visit their sites and read everything you can about the
company. Contact at least three lenders and let them compete
against each other.
3. Contact a mover. If you cannot move it yourself, contact several
moving companies to get competing estimates. Do not delay as
rates go up closer to your move. Plan in advance and avoid paying
4. Contact utility companies. Phone, cable, gas, electric, trash,
sewer, and the like are some of the providers you need to contact
before you move in. Don't delay; some will also want a deposit too.
Once your moving date has been set, contact the post office to have
your mail forwarded to the new address. Ask them to forward all of
your magazines too.
Your attorney and realtor will instruct you along the way as far as
what is expected next. A home inspection and a title search must
be conducted early on and your Chattanooga Mortgage lender will
present to you detailed information about loan rates, closing costs,
taxes, fees, and more. At this point in the process you are nearly
done and it is only a matter of time before your big move.
Should you have any questions, your Chattanooga mortgage
provider, realtor, and attorney are all there to help. Before you know
it the closing date will arrive, the movers will magically appear, and
you will be snug in your new home.
About the Author
Mark Lambie is the founder of The Loan House a website that allows consumers to quickly and easily get mortgage refinance mortgage information.
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