When you're getting a raise as well as accumulate some savings, you might find yourself confronted by an natural impulse of modern civilized men and women.
The need to spend money.
It all begins merely by eating out in restaurants, then increases to purchasing clothes, electronic gadgets, and since North Americans have a unique fondness for the car, you may even purchase a "brand new car."
If you're married or driven, a few months later your thoughts eventually turn toward buying your own home. Or perhaps a move-up home, if you are already a homeowner.
Next, you contact a loan officer to get prequalified for a home mortgage. You state your required price and exactly how much you are able to put down. You provide your income and might supply pay stubs and W2 documents. The loan officer systematically crunches the numbers (by telephone, personally, or even online).
"If only you did not have this car payment..."
This situation can easily take place to anyone who is thinking about purchasing a house. Before you buy that new vehicle, think about what your future plans are going to be. Do you plan on purchasing a home or upgrading your home anytime in the near future?
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