{"id":24446,"date":"2025-02-24T04:08:00","date_gmt":"2025-02-24T12:08:00","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=24446"},"modified":"2025-02-27T00:32:59","modified_gmt":"2025-02-27T08:32:59","slug":"buyer-questions-to-ask-mortgage-lender","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-questions-to-ask-mortgage-lender\/","title":{"rendered":"Looking for a Mortgage Lender? Here Are 20 Questions to Ask Them Before You Commit"},"content":{"rendered":"

When it comes to house-hunting<\/a>, finding your dream home is only part of the equation. Before you even start looking, you\u2019ll also need to find a mortgage lender who will determine how much house you can afford<\/a>, make sure your credit<\/a> is in good standing, and see what kind of loan programs<\/a> will work best for you. And while you can expect to answer plenty of questions from your mortgage lender about qualifying for a loan, as a buyer, there are also several important questions you should be asking your lender.<\/p>\n

With help from professional real estate agents, we\u2019ve put together a comprehensive list that addresses some of the most pertinent questions a buyer should ask their lender. From loan types to down payment amounts<\/a> and how long it might take to close<\/a>, here\u2019s a breakdown of all the questions you should be asking your lender, and why these are good things to know before you buy a home.<\/p>\n\n\n\n\n\n

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\n \"homelight\n <\/div>\n \n

Step one: Talk to a few buyer's agents!<\/h3>\n

Tell us a little bit about your plans (where you’re looking to buy and when you want to make a purchase) and we’ll connect you with top-rated buyer’s agents in your area. It takes only a few minutes, and it’s free.<\/p>\n \n

\n Get Started<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n

<\/div>1. How much mortgage do I qualify for?<\/h2>\n

One of the first things you\u2019ll want to know is just how much house you can afford<\/a>, which is based on your income, credit score, debt-to-income ratio (DTI), and savings amount (including your down payment).<\/p>\n

According to California real estate agent Mark Moskowitz<\/a>, who has 33 years of experience in the industry, buyers should be talking to their lenders about how to get the most out of every dollar \u2014 which leads us to question #2\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"

With help from professionals, we\u2019ve put together a list that addresses some of the most pertinent questions a buyer should ask a mortgage lender.<\/p>\n","protected":false},"author":178,"featured_media":24460,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,629,632],"tags":[],"class_list":["post-24446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-home-financing","category-mortgage-loans"],"acf":[],"yoast_head":"\n20 Questions to Ask a Mortgage Lender Before You Get a Loan<\/title>\n<meta name=\"description\" content=\"With help from professionals, we\u2019ve put together a list that addresses some of the most pertinent questions a buyer should ask a mortgage lender.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/buyer-questions-to-ask-mortgage-lender\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Looking for a Mortgage Lender? Here Are 20 Questions to Ask Them Before You Commit\" \/>\n<meta property=\"og:description\" content=\"With help from professionals, we\u2019ve put together a list that addresses some of the most pertinent questions a buyer should ask a mortgage lender.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/buyer-questions-to-ask-mortgage-lender\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-24T12:08:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-27T08:32:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hl-blog.homelight.com\/wp-content\/uploads\/2021\/06\/questions-to-ask-mortgage-lender.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jody Ellis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@winter_girls_ak\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jody Ellis\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"20 Questions to Ask a Mortgage Lender Before You Get a Loan","description":"With help from professionals, we\u2019ve put together a list that addresses some of the most pertinent questions a buyer should ask a mortgage lender.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.homelight.com\/blog\/buyer-questions-to-ask-mortgage-lender\/","og_locale":"en_US","og_type":"article","og_title":"Looking for a Mortgage Lender? 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