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3 reasons why your mortgage application might be rejected

There are very few people out there who can afford to pay the entire amount in cash when buying a house. Most people rely on a mortgage in order to buy a house. The mortgage applications are getting stricter. So, you should know the reasons why your application might be rejected in order to increase your chance of getting a mortgage.

Poor credit score

A good credit score is vital to getting a mortgage. If your credit score is not good then you won’t get a good interest rate. If it falls below a certain number, your application may be rejected. Before applying for a mortgage you must make sure that your credit score is good. You should pay off all your debts and pay your bills on time in order to improve your credit score.

Insufficient down payment

In order to buy a house, you need to pay a percentage of the price of the house as down payment. It is usually 20% of the house price. If you fail to give this amount then your mortgage application might fail.


You must demonstrate that you have good monthly income in order to pay your mortgage fees. So, if you have a low income you have a less chance of getting your mortgage application approved.

Before you apply for a mortgage, it is better to consult a real estate agent so that you know everything about the mortgage. Basically, you need a good income source, good credit history, and sufficient down payment to increase your chances to get a mortgage.

Top 3 qualities of a good tenant


Many people might think that finding tenants is easy. But only the landlords know how difficult it can be to find a qaulity tenant for their property. Here are the top qualities of a good tenant.

Pays on time

The first criterion of a great tenant is that he or she will always pay the monthly rental on time. For any kinds of maintenance work, if the landlord asks to contribute, then the tenant won’t hesitate to do so.


A good tenant will be responsible for keeping the house in good condition. The tenant will make sure that nothing in the house gets damaged on purpose. He or she will keep the rooms clean and in good condition. The tenants will take responsibility for the house as if it was theirs.


A good tenant will respect you as a landlord. If a landlord asks for something the tenant will try to meet the landlord’s requirements without creating much trouble. There will be a good relationship between the landlord and tenant.

Finding a good tenant is a bit of luck. But there are some traits of good tenants. You should know these and try to find the right one for your house. There are real estate agents that can find a good tenant for you. They do a thorough check on the background of the tenants and then suggest them to you. This way the chance of getting a bad tenant decreases.

4 ways you can increase the value of your home

When you want to sell your home you should make sure that your home is in the best condition possible, so that you get a higher price for your property. Here are some of the ways you can increase the value of your property.

Kitchen upgrade

The kitchen is one of the most important rooms in your home. You can change the cabinets, countertops and add some modern energy efficient appliances to turn it into a modern kitchen. A new kitchen can increase the value of your home considerably.

Bathroom renovation

You must make sure that all your bathroom problems are fixed before you sell your home. You should fix all the leaks and other problems in your bathroom. It is a good idea to invest in new bathroom fixtures. It will enhance the value of your house.


Your garden or backyard can increase the value of your house. You should cut the grass, prune the trees, plant some new plants, improve the pavement, etc. to make your landscape look attractive. A house with a beautiful garden or backyard can stand out from the other houses in the property market.

Fresh paint

There is nothing compared to investing in a fresh coat of paint. It completely changes the look of your property. This is a good investment.

Improving the condition of your home is a good investment. You cannot imagine how much it can increase the value of your home. Your house will sell quickly as well. So, try these things to increase the value of your property.