Unwanted shepherd surrendered to kill shelter with her favorite blanket, left with no more tears to cry

Well, when you have finally found your dream house and wants to own it for yourself, you will be waiting with your fingers crossed to get an approval for the mortgage. After hunting down for the best in the housing market and making so many efforts, refusal is something that won't go down well with anyone but there must be something you can do on your part that assures you an approved mortgage.

To begin with, you need to make sure that you follow these steps properly before you apply for a mortgage and be certain that this will help in getting your loan approved.

1. Get to know about your bank:-

Every bank has different mortgage options and they deal with every customer differently so before you apply, find out which bank suits your needs and fulfill your requirements in approving your loan. You need to sit and discuss with them all the criteriums that are important for the sanction of home loan and remember that not all banks are willing to lend you money but few will match your choice and like to borrow the amount.

2. Your credit rating:-

Your credit rating is very important as this is the first thing bank looks for to know how financially sound you are. Any bank will only lend you money based on your credit rating and how well it is. They need to know how good you are with your credit cards, overdrafts, bills and utility bills. Even if you don't have any credit then this will also become a reason for their refusal because your credit report shows how trustworthy you are in returning the amount on time and with no credit, there is no guarantee.

3. Your employment:-

The factor that actually assists lenders in lending money out to you is the amount of time you are employed in one company, stayed at one address and continued with a job leaves a positive impact on the banks. A steady income will always encourage the lenders to lend money easily.

4. Your savings:-

Try to save up even before you plan to own a home and try to pay at least more than 20 percent down-payment of the homes actual price which will lead you to borrow less amount from the bank, which it will do willingly and then it will also be easier to pay it off. You can even ask your friend or relative to help you in your down-payment.

5. Try to wrap all other debts:-

Try to pay -off your credit cards, outstanding loans, bills etc beforehand and try your best not to indulge in any other credit options for another 6 months before applying for a mortgage. Clearing off your debts grants you a better option in getting loans secured for your house.

6. Invest in right kind of property:-

At times we are interested in buying an unusual property for ourselves but banks are not ready to lend money for such property as they prefer to only lend out for certain kind of flats or houses as they have criteria, so talking to your bank before you finalize on a house is very important.

You can even get a pre-approval from the bank to get an idea how much money they are willing to lend and on what kind of property as it protects you from hassles later on. Getting a pre-approval doesn't guarantee an approval but at least you will get a clear picture of what you need to look for in purchasing a house for yourself.

7. Correct errors:-

You need to correct the mistakes in your credit file before applying for the first time and in case you are rejected, you need to get hold of yourself, check for the errors again and after few months re-apply because if you rush to another lender then you are sure to face rejection again and again.

You need to understand something is messed up in your credit report and needs correction as soon as possible. Running from lender to lender will not help you in any positive way, but in fact, it will damage your credit report further so in case you are rejected, take a deep breath and take a peek in your credit score for assessment.

For a 4 years old dog named LOLA, the days don’t seem like they will get any easier. LOLA’s owner didn’t want her anymore, and so she gathered all of her toys, and her beloved dog bed, loaded her into a car, and mercilessly surrendered her to the Los Angeles County Animal Control – Carson , better known as the MDAS.

LOLA, who at her young age seems to sense that the stakes are high, can often be found tucked away shaking in her favorite blanket, cowering in fear from the noise and chaos that is the Carson Shelter. When the lights go out, and everyone goes to sleep, soft and subtle weeping could be heard coming from her kennel space. LOLA cries herself to sleep every night wondering what on earth she did to deserve her new fate. Sad indeed.

LOLA (A1993693) I am a female black and tan German Shepherd Dog.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Miami Dade animal services at 305–884-1101
Pet Adoption and Protection Center
Shelter address: 3599 NW 79th Ave, Doral, FL 33166
Ask for information about animal ID number #A1993693

STATUS : - read comment for update from crossposter
The vast majority of those purchasing a residence, at least to a certain degree, use some sort of financing vehicle, or mortgage. These can fall into two basic categories, either a conforming, or non - conforming type. For the most part, this refers to the amount being financed, and may differ somewhat from time to time, and from geographic area, to other location. Once you decide to take out a mortgage, and become qualified by the lender, you must determine, which of the 3 basic types of mortgages to opt for: 1) fixed; 2) adjustable; or 3) balloon.

1. Fixed mortgage: Also known as fixed - term, the most popular length of these is 360 monthly payment, or 30 years. However, they are also available in a variety of other lengths, including: 15 years; 20 years; 25 years; and 40 years, as well as other terms. Obviously the advantage of this type of financing, is you are certain of the principal and interest components, every month, for the length of the loan, That is often comforting, because it provides a degree of peace of mind. However, remember your real estate taxes, and your other escrow items (such as insurance), as well as your utilities, etc, will generally vary, and often increase over time. To qualify for these, in addition to having the necessary credit score, etc, one must have the correct income to monthly payments ratio, etc. Since, at certain times, especially when interest rates are higher than today, this ratio becomes a challenge to many potential homebuyers, etc.

2. Adjustable - rate: When interest rates are higher, these generally come with a lower introductory rate, which means lower payments. The loans are also known as ARM, and that rate is guaranteed for a specific period of time, and then changes. The new rate is generally based on some sort of index, such as COLA, or Treasury Bill rates, etc. For example, if you had a 30 year/ 5 year type, it would mean the rate was guaranteed for 5 years, and then the index would dictate the new rate, after that. There may or may not be a cap, which would mean, a limit on how much it could either increase or decrease. Obviously, the advantage of this, is the considerably lower - rate, at times, for the initial period, as well as locking - in financing for a longer - period (although at a different rate). This might enable someone with lower - income to qualify for a larger mortgage, because the ratio between his monthly income and mortgage payment, might be more favorable, to the borrower. The disadvantage is, that at the end of the initial term, there is a risk of either a rate increase, or a need to attempt to refinance.

3. Balloon: These types of mortgages are offered the least often. They possess either interest - only payments for a specified period, or significantly lower payments for that introductory period. At the end of the period, the borrower must either, pay off the entire loan, or refinance. It is fairly obvious, what both the positive and negative possibilities are!

The more a potential buyer knows, the better off he is. Hopefully, this brief discussion, might add to a buyer's comfort, security, and ability to make the best decision, for him.

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