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Category | Mortgage News

13 Hacks To Lift Your Credit Score Before You Buy A Home

Buying your first home is an excellent decision. But you may want to improve your credit score now that you are putting the plan into action. When you apply for a loan, you will want to be in the best financial position to get a good deal. The one thing that will disrupt your efforts most […]

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Earnest Money Deposits Show How Serious You Are

How Much Earnest Money Deposit And When? When real estate holdings transfer from a seller to a buyer, earnest money deposits get the ball rolling, they’re the good faith payment that says the purchaser means business. As a buyer, the usual practice is that you offer an earnest money deposit between $1,000 and two percent of the […]

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Rising Real Estate Prices And Stretching To Buy Your First Home

How Do You Respond To Rising Real Estate Prices? Buying a home is once again becoming less affordable, but so is renting. Even with rising real estate prices, buying your home is still a less expensive option in the medium to long term. So, how can first-time buyers make a move to home ownership when […]

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Here Are The Seller Financing Good And Bad Points

Very occasionally, the party that sells a home to you will lend you some of the money to make the purchase. Seller financing rarely happens because there are usually other alternatives. However, for one reason or another, it could work out that the seller provides a loan for a part or the entire amount that you […]

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5 Tips For Homebuyers Seeking The Perfect Mortgage Solution

Becoming a homebuyer is of the most trying consumer activities that you will ever experience. One of the things that make purchasing a home rewarding is finding the right loan to make it happen. A little extra effort up front will help you get the best possible mortgage terms for your situation. Small adjustments to […]

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3 Ways Homeowners Can Get A Lower Mortgage Payment

Would a lower mortgage payment make a difference in your lifestyle or family budget? If you have a burdensome pile of bills each month, these tips might help save a little on your budget. Three Lower Mortgage Payment Options The one most hopeful choice, with multiple variations, is refinancing your loan. The longer the time […]

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Don’t Depend On Your Last Pay Statement To Get That Mortgage

The Sixty-Day Seasoning Rule When you are waiting for approval on your home loan, you need to prepare for this one important detail. Your lender is unlikely to regard your most recent pay deposit as part of your contribution at closing. That means your paycheck is not eligible to form part of your deposit. Conventional […]

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Had Enough Of Renting? Maybe It’s Time To Buy Your First Home

So, you think you’re ready to end your time as a renter and buy your first home. In the long-term, it’s an excellent choice, but when you begin investigating the short-term costs and labor involved it becomes much more complicated. Buy your first home, and you’ll find that there is work to do to get […]

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Position Your Offer To Purchase For Home Buying Success

The Dance of Offer and Counter-Offer Any offer to purchase a home begins a process that is both formal and chaotic at the same time. The home buying process goes through stages that are regular and predictable. State regulations, precedents, and contract law govern real estate transactions in the United States. Real estate buyers and […]

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Having A Mortgage Payment Emergency – What Do You Do?

Alarms Will Sound When You Miss A Payment Financial challenges, such as making mortgage payments every month, are stressful facts of modern life. If it should happen that you find family in the position of being short of the monthly payment, there are things that you can do and some other things not to do. […]

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