Don’t Disqualify Yourself… 52% Of Approved Loans Have A FICO® Score Under 750

不要取消自己的資格… 52%的批准房貸信用分數低於750

The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.

許多的研究結果證明,購屋者,甚至是屋主,均高估了今日市場上取得房屋貸款的資格。

One such study by the Wharton School of Business at the University of Pennsylvania revealed that many millennials have not yet considered purchasing homes simply because they don’t believe they can qualify for a mortgage.

賓州大學沃頓商學院的一項研究顯示,許多千禧世代並未考慮購買房屋,因為他們不認為自己有取得房屋貸款的資格。

A recent article about millennials by Realtor.com explained that:

最近在Realtor.com有關千禧世代的一篇文章提到:

About 72% of aspiring millennial buyers said they’re waiting because they can’t afford to buy…
“約有72%的想要購屋的千禧世代買家表示,他們還在等待,因為目前買不起…”

The article also explained that 29% of millennials believe their credit scores are too low to buy. The problem here is the fact that they think they will be denied a mortgage is keeping them from even attempting to apply.

這篇文章同時提到,29%千禧世代認為自己的信用分數太低,所以買不到房子。最大的問題就是,他們自認為拿不到房屋貸款,因此根本從未嘗試過申請房屋貸款。

Ellie Mae’s Vice President Jonas Moe encouraged buyers to know their options before assuming that they won’t qualify for a mortgage:

Ellie Mae的副總裁Jonas Moe鼓勵買家多認知自己的選擇,而不要自我否定假設自己不符合房貸資格:

“Many potential home buyers are ‘disqualifying’ themselves. You don’t need a 750 FICO® Score and a 20% down payment to buy.”
“許多購屋者自己先“取消自己的資格”。您不需要750分的信用分數和20%的頭期款才能購屋。”

So, what credit score is necessary? 那麼,需要多少信用分數呢?

Below is a breakdown of the FICO® Score distribution of all closed (approved) loans in July from Ellie Mae’s latest Origination Report.

下圖為Ellie Mae最新的報告,7月份所有已批准房屋貸款的信用分數分佈情況。

Over 52% of all approved loans had a FICO® Score under 750. Many potential home buyers believe that they need a score over 780 to qualify.

超過52%批准房屋貸款的信用分數低於750,許多購屋者卻認為他們需要超過780分的信用分數才有資格取得房貸。

Bottom Line 結論

If owning a home of your own has always been your dream and you are ready and willing to buy, or if you are a homeowner who wants to move up, find out if you are able to! Meet with a local real estate professional who can help you determine if your dreams can become a reality sooner than you thought!

如果擁有自己的家一直是您的夢想,您已經準備好並且願意購屋,或者您是想要搬遷的屋主,歡迎與我聯絡,讓我幫助您確定您的夢想,是否可以比您預期的更早一點成為現實!