{"id":413,"date":"2017-02-25T21:40:53","date_gmt":"2017-02-25T21:40:53","guid":{"rendered":"http:\/\/blog.morty.co\/?p=413"},"modified":"2023-09-17T20:21:49","modified_gmt":"2023-09-18T01:21:49","slug":"ready-get-mortgage-might","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/mortgage-101\/ready-get-mortgage-might","title":{"rendered":"Are You Ready to Get a Mortgage? If You Are Doing This, You Might Be"},"content":{"rendered":"\n

If you\u2019re like a lot of renters, the idea that maybe you ought to buy a place has crossed your mind \u2013 it might well cross you mind every month, as you sign and mail your rent check to your landlord. \u201cWhy am I still throwing money way on rent? Maybe it\u2019s time to buy a place of my own\u2026\u201d<\/p>\n\n\n\n

It\u2019s fun to think about never paying rent again. But getting a mortgage to finance a home purchase means rounding up a ton of paperwork<\/a>, and more importantly, buying a home is a big commitment. How do you know that you\u2019re ready for a mortgage?<\/p>\n\n\n\n

The short answer: you could be ready for a mortgage if<\/em> you are financially stable and if<\/em> you are planning to stay in the same place for the next several years.<\/p>\n\n\n\n

You Are Managing Your Finances Well<\/h4>\n\n\n\n

Every Thanksgiving, your loud Uncle Jeff wants to talk to you and all of your cousins about real estate. Uncle Jeff insists that owning a home is the only way to build real wealth, and that renting is a total waste of money.<\/p>\n\n\n\n

You know, of course, that paying for a place to sleep and store your belongings isn\u2019t exactly throwing your money in the trash can. But you wonder a little bit if maybe he\u2019s right. If you could pay a mortgage for the same amount you\u2019re currently paying in rent, why wouldn\u2019t you choose the option that helps you build equity and puts a roof over your head?<\/p>\n\n\n\n

Well, for one thing, homes are expensive, and  they’re not entirely risk-free. There are upfront costs, closing costs, and costs to maintain the home once you\u2019ve purchased it.<\/p>\n\n\n\n

People do make money when their homes go up in value, but rising home values aren\u2019t guaranteed.<\/p>\n\n\n\n

If we\u2019re talking about buying a home, we\u2019re going start with the basic assumption that your personal finances are in good shape. You\u2019ve got some savings and an emergency fund. You\u2019ve got a retirement account or investments somewhere. You pay your bills on time and you haven\u2019t maxed out all of your credit cards. If you\u2019ve got student loans or other debts, you\u2019re making decent progress on getting those paid off.<\/p>\n\n\n\n

If your personal finances aren\u2019t in decent shape, then you already know that it\u2019s probably not time to plunk down for a house and a mortgage. And that\u2019s all right. If you want to be a homeowner someday, the first step is to start cleaning up your finances. Check out these tips on saving money<\/a> and using credit responsibly.<\/a><\/p>\n\n\n\n

You Are Ready to Put Down Roots<\/h4>\n\n\n\n

Having a mortgage and owning a home ties you to a very specific geographic place. Homes are not things you can put in your pocket and carry around with you.<\/p>\n\n\n\n

Where you live isn\u2019t just an address, after all. Where you choose to live is where you make friends. It\u2019s where your children go to school. Where you work. It\u2019s where you shop and where you eat and where you worship, where you hike or swim or jog or sit and watch the sun set. Having deep ties to a community can be a wonderful thing. Where you live matters.<\/p>\n\n\n\n

You should absolutely be excited about the idea of living in a home and community of your own before you decide to get a mortgage.<\/p>\n\n\n\n

If you\u2019re not sure your town is the right place for you, if you think you might need to move to a different town for work soon, or if you just don\u2019t like the idea of being committed to living in one place for awhile? Then now is probably not the time for a mortgage.<\/p>\n\n\n\n

Even if buying is less expensive in that renting in your community, buying a home costs money upfront. You\u2019ll probably need to put in a sizable down payment. There are closing costs for getting a mortgage. For at least the first few years you own your home, you aren\u2019t building a ton of equity. The biggest chunk of your early mortgage payments go toward interest.<\/p>\n\n\n\n

Plus, as far as assets go, homes are what finance types refer to as illiquid assets. Even in hot real estate markets, and even if your home\u2019s value has gone up significantly since you bought it, it\u2019s not exactly easy to turn a home into cash money. You could sell a few stocks or bonds and still keep the bulk of your investment portfolio intact. But you can\u2019t sell your second bathroom and keep the rest of your house.<\/p>\n\n\n\n

So think about it, maybe it’s time.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019re like a lot of renters, the idea that maybe you ought to buy…<\/p>\n","protected":false},"author":1,"featured_media":414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6],"tags":[],"series":[],"class_list":["post-413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-101"],"acf":[],"yoast_head":"\nAre You Ready to Get a Mortgage? | Morty Resources<\/title>\n<meta name=\"description\" content=\"You could be ready for a mortgage if you are financially stable and if you are planning to stay in the same place for the next several years.\" \/>\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.morty.com\/resources\/mortgage-101\/ready-get-mortgage-might\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are You Ready to Get a Mortgage? | Morty Resources\" \/>\n<meta property=\"og:description\" content=\"You could be ready for a mortgage if you are financially stable and if you are planning to stay in the same place for the next several years.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/mortgage-101\/ready-get-mortgage-might\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-02-25T21:40:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-18T01:21:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2017\/02\/pexels-photo-127611.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"625\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nora Apsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nora Apsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/ready-get-mortgage-might#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/ready-get-mortgage-might\"},\"author\":{\"name\":\"Nora Apsel\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\"},\"headline\":\"Are You Ready to Get a Mortgage? 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