Simon Asks… I want to get approved to buy a house but I’ve heard it is confusing and stressful. Can you help?

Absolutely I can help.

Being prepared is the best defense to confusion and stress.

I read that more than 70 percent of Americans say getting a mortgage today is a serious national problem. I had one borrower tell me that waiting to hear if they were approved for the mortgage was more stressful than waiting to hear if they got a job. I believe it – if consumers are feeling it – it is real!

Take the following steps to ensure a smooth process:

  • Pay down your debt as much as you can before applying for a mortgage
  • Make sure you do a credit audit a few months before you apply for a mortgage and take care of anything negative
  • Don’t make a major purchase on credit and don’t apply for new credit before you apply for a mortgage  (or at any time during the process)
  • Save as much as possible for a down payment
  • Get all your “docs” in a row before you apply for a mortgage
  • Be realistic with your wants and needs
  • Research your mortgage professional

I have a complete list of documents to gather on my website at and you can check my licensing status at

Meet Cheryl!

About Cheryl

As a successful business owner and community leader, Cheryl Braunschweiger is known and respected for getting things done with a degree of skill and enthusiasm that bring out the best in those around her - colleagues, clients and friends. The name of her business, ALMC Mortgage, reflects Cheryl's philosophy and personality. She says it stands for All Loans Must Close –a reflection of her determination to do whatever it takes to serve her clients. Cheryl has been in the mortgage lending business for 20 years. Read More About Cheryl
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