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I’ve processed more than 1,000 mortgages. Here are 3 things buyers in today’s market should do before they get a mortgage

With about 1,000 mortgages under his belt over the past 20 years, Jay Goldberg, a mortgage broker at Union Bank in Los Angeles, has seen firsthand how the market ebbs and flows and what that means for homebuyers and refinancers. Indeed, the supply of available housing is constrained (the National Association of Realtors notes that the U.S. has under-built housing by at least 5.5 million units), making it tough to find houses, even as mortgage rates remain near historic lows (some 15-year rates are near 2%, and some 30-year rates are near 3%, as you can see here). In other words, it’s can be a tough housing market to navigate.

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