Applying for a mortgage can seem like a daunting and scary process. To help, we’ve created a checklist of things for you to compile, complete and acknowledge before applying. See the fill list by clicking learn more below.

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申請貸款似乎是一個艱鉅而可怕的過程。

為了提供幫助，我們創建了一份清單，供您在申請前編譯、完成和確認。

單擊下面的了解更多信息查看填充列表。

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Credit history is a recorded file of past and current credit that is utilized to compile a credit score. Read about credit, how it works, how to improve your score and more by clicking learn more below.

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信用歷史是過去和當前信用的記錄文件，用於編制信用評分。

 

點擊下面的了解更多，了解信用、它是如何運作的、如何提高你的分數等。

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A closing cost is a payment required to finalize a home loan and is separate from a down-payment. Read about closing cost, their purpose, how you can pay them and more by clicking learn more below.

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成交費用是完成房屋貸款所需的付款，與首付款分開。

 

單擊下面的了解更多信息，了解關閉成本、它們的用途、如何支付它們以及更多信息。

An appraisal is an estimate of a property’s fair market value and is required by a lender to ensure the loan amount is not more than the property value.

 

Read about appraisals, how they work, ownership and more by clicking learn more below.

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評估是對房產公平市場價值的估計，貸方要求其確保貸款金額不超過房產價值。

 

點擊下方了解更多，了解評估、評估工作方式、所有權等信息。

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Private Mortgage Insurance or PMI is insurance that protects a lender from increased risk from borrowers putting less than 20% down on a house.

 

Read about PMI, how it works, cost and more by clicking learn more below.

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私人抵押貸款保險或 PMI 是一種保險，可保護貸方免受借款人對房屋首付低於 20% 的風險增加的影響。

 

單擊下面的了解更多信息，了解 PMI、它的工作原理、成本等。

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Refinancing your mortgage is a common practice used to lower monthly payments, interest rates, lower your DTI and more.

 

Read about refinancing, how it works, cost and more by clicking learn more below.

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為您的抵押貸款再融資是一種常見的做法，用於降低每月付款、利率、降低 DTI 等。

 

點擊下方了解更多信息，了解再融資、其運作方式、成本等。

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See a full list of mortgage terms by clicking learn more below.

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點擊下方了解更多，查看完整的抵押貸款條款列表。

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Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract.

 

Read about foreclosure and how to avoid it by clicking learn more below.

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止贖是貸方根據抵押合同規定的條款沒收財產的過程。

 

單擊下面的了解更多信息，了解止贖以及如何避免止贖。

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