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What to Know Before Getting Your First Mortgage Mortgage Masters Group Some home buyers don’t know the negative effect debt can have on a mortgage application. You don’t have to be debt-free to purchase a home, but excessive debt can reduce purchasing power or result in a higher mortgage rate.. When applying for a home loan, your lender pulls your credit report and credit score, and evaluates how much you owe on credit cards, auto loans, student loans, and more.

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Two keys are provided for each box. Loss of a key is subject to a $10 replacement fee. Loss of both keys is subject to locksmith fees, which are the member's.

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