New Employment

Quicken Loans Zing Blog - Learning Center - New Job Getting ready to start a fresh path in your career with a new job? Congratulations! It’s an exciting and fast-paced period in your life, as well as a time when you may alter the way you manage your finances. With the possibility of a change in your income, remember that we’re always here to help you with your home financing needs!

How Can New Employment Affect Your Family’s Finances?

While accepting a new job is likely an exciting time in your life, it’s important to remember the changes that may occur after you begin. If the position has you earning more than in your previous job, you may consider making a change in your home loan – or changing your home all together! When a new job affects your income in the opposite regard, rest assured that there are options for obtaining extra cash from your home. We’re here to help, whatever your decision!

When Should You Consider Taking the Next Financial Step During This Transition?

During a career transition, it’s likely your financial habits and cash flow will adjust. Whether your new position has you sliding up, down, or remaining at the same level of the pay scale, you may want to reexamine your bills, loans, and other financial needs as quickly as possible. Consider the following list of bills that you may approach differently once you begin your new job:

  • Medical bills
  • Credit cards
  • Utilities
  • Bank accounts
  • Mortgage
  • Home equity loans
  • Auto loans
  • Joint accounts
  • Student loans
What Home Loan Options May Be Helpful During This Time?

If you’re looking to make the most of your career change, our caring Home Loan Experts can help determine what mortgage option is ideal for your unique situation. Both refinancing and home buying can help you save money with today’s historically low rates!

Refinance

If you need take advantage of the equity you’ve built in your home or perhaps just want to put away extra cash for retirement, refinancing your home may be an ideal solution. Check out our 15-year fixed-rate loan to avoid high interest rates and pay off your mortgage quicker, or our 30-year fixed-rate loan to keep payments consistent over the life of the loan. If you’re already in an existing FHA loan, an FHA Streamline refinance is ideal for continuing your savings. We’ve even got customizable mortgage programs! It’s true! With our YOURgage, you have the flexibility to choose your own term!

With today’s historically low rates and our speedy lending process, you’ll be saving on your monthly payment and have access to your hard-earned home equity!

Home Buying

Looking to upgrade your home with your new job’s boost in income? You’ve come to the right place! Whether it’s your first home or a vacation home, we have plenty of options that will have you saving money and closing on the new place quickly. Never consulted with a real estate agent before? We can match you with a trusted, prescreened agent through our partners at In-House Realty to ensure you’ll have a seamless home buying experience. If a super-sized down payment seems impossible, we have programs that require as little as 3.5% down!

What kind of loan is right for you and your family? With a 30-Year Fixed-Rate loan, payments are low and steady to keep your budget surprise free in a home you’ll stay with for the long haul. When you seek a simple qualification process and government-backed security, an FHA Loan may be a perfect solution. For our veterans, we offer a no down payment guarantee to save  first-time home buyers money up front!

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