{"id":8907,"date":"2019-08-14T13:22:40","date_gmt":"2019-08-14T13:22:40","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=8907"},"modified":"2019-08-15T05:33:53","modified_gmt":"2019-08-15T05:33:53","slug":"reasons-not-to-get-a-mortgage-online","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/reasons-not-to-get-a-mortgage-online\/","title":{"rendered":"Reasons not to get a Mortgage Online"},"content":{"rendered":"\n<p>In today\u2019s day-and-age, it seems as though people want information as quickly as possible especially use Kenyans. Hence, with technology being as advanced as it is, borrowers have turned to get a mortgage online. <\/p>\n\n\n\n<p>However, this isn\u2019t always the best-case scenario. Although it&#8217;s quick, it doesn\u2019t mean that it\u2019s the best fit for you as a borrower. <\/p>\n\n\n\n<p>Here are reasons why getting a mortgage online might not be right for you\u2026<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Shop Around! See What Your Options Ar<\/strong>e<\/h4>\n\n\n\n<p>Just because getting an online mortgage is quick and easy, doesn\u2019t mean it\u2019s the best option for you. The purchase of a home is one of the biggest financial decisions of your life. Therefore, it seems foolish not to do your full research and shop around for the best rates and fees. <\/p>\n\n\n\n<p>When you insert your information into an online site, you truly don\u2019t know if you\u2019re getting the right program, rate, and down payment for your specific needs. If you shop around and talk to different people, you can at least gain knowledge about different programs and what works best for your scenario. <\/p>\n\n\n\n<p>In the end, maybe you do go back online, but at least you\u2019ll have peace of mind knowing you explored your options.<br>&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>If You\u2019re a First-Time Home Buyer<\/strong><\/h4>\n\n\n\n<p>If you\u2019ve purchased a home before, you have a better understanding of what\u2019s out there and what to expect within the mortgage process. But if you\u2019re a first-time homebuyer, it\u2019s in your best interest to talk to a mortgage expert. If you take your time and speak with someone, you can learn about rates, points, closing costs, and more things that you might not have known about before. <\/p>\n\n\n\n<p>Even if you purchased before, it can still be a good idea to go directly to an expert if you find yourself in a circumstance that might be more difficult to borrow in.<br>&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>If You\u2019re Self-Employed<\/strong><\/h4>\n\n\n\n<p>When getting approved for a mortgage, salaried workers normally need to send their lender their tax forms in order to prove their income. However, for many Kenyans who are self-employed, lenders usually require more income-verification and documentation, such as your tax returns from the last few years. <\/p>\n\n\n\n<p>Online lenders view self-employed borrowers as a higher risk, and their documentation requirements are usually a lot stricter than what federal guidelines require. Therefore, if you\u2019re self-employed, getting a mortgage online could be more of a headache than if you just went through a regular lender.<br>&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>If You Want Someone\u2019s Help Every Step of the Way<\/strong><\/h4>\n\n\n\n<p>Although getting a mortgage online seems like less of a hassle, in the long run, it can end up being the exact opposite. If you\u2019re working with a lender one-on-one, they can essentially hold your hand throughout the entire process. Therefore, help prevent any last-minute problems or any other issues that may arise. <\/p>\n\n\n\n<p>Unfortunately, if you\u2019re getting the mortgage online, you don\u2019t have that luxury, and it\u2019s a much more impersonal process. Again, this is one of the biggest financial decisions of your life, and it makes more sense to have an expert on your side.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s day-and-age, it seems as though people want information as quickly as possible especially use Kenyans. Hence, with technology being as advanced as it is, borrowers have turned to get a mortgage online. However, this isn\u2019t always the best-case scenario. Although it&#8217;s quick, it doesn\u2019t mean that it\u2019s the best fit for you as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8908,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-8907","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financing"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reasons not to get a Mortgage Online - Kenya Homes<\/title>\n<meta name=\"description\" content=\"if you\u2019re self-employed, getting a mortgage online could be more of a headache than if you just went through a regular 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:\/\/kenyahomes.co.ke\/blog\/reasons-not-to-get-a-mortgage-online\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reasons not to get a Mortgage Online - 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