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Tag Archive | "mortgage basics"

Should I Invest All Cash Or Finance My Home Purchase?

Should You Keep Ahold Of The Folded Gold? In spite of the financial stress and strains on the average consumer there is apparently a large subset of investors capable of paying cash for homes these days. You may feel that you are getting some extra security when you own your home debt free. This may be […]

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How Much Do I Pay Out Of Pocket For That Home Loan?

Mortgage Fees A Go-Go When you are buying a home and using finance, as most people do, there is a whole host of fees at closing that you will have to pay out of pocket. Which is to say, the amount of cash at closing you have to contribute. Financing Brings Flexibility To Closing Although there […]

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Buying A Home With Bad Credit

You May Have More Options Than You Think Buying a home rather than renting is a very rewarding lifestyle choice that has been the core of the American Dream for the last one hundred years or more. For those who do own their homes, even with a high level of finance, it is an entirely […]

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My Lender Seems To Know What I Need – Do I Just Go Along?

Your Professionals Are Your Team Your lender is going to do their best to match the market to your needs, as he or she perceives them. That is their job and they are rewarded handsomely when it all comes together at closing. Having stated that fact it pays to remember that any real estate transaction […]

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How Long Does It Take To Get A Home Loan

The Solution Requires Preparation When you are not looking to finance a home purchase it seems like everywhere there is someone trying to sell you a home loan. But when it is crunch time and you need to have financing in place to actually purchase that dream home then you start to appreciate all of […]

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Switching Jobs Can Affect Your Home Loan Prospects

If you’re about to switch jobs while you have a home loan application in progress, have no fear as long as you keep your lender informed. Be straightforward with your lender about change of jobs or pay structures and are able to submit relevant paperwork, then you will likely still be eligible for a mortgage. Always […]

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Credit Card Debt: Three Tips To Help Reduce It

More always seems to be better in this age of materialistic consumerism. Who doesn’t dream of owning a lovely house and a swanky car? Knowing how to arrange money and keeping your head above the waters of credit card debt is not a skill that is taught in schools or a requirement to apply for […]

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Why Employment And Jobs Data Affect Mortgage Rates

Features of the main financial sectors of the economy are deeply interlinked. When you look at the figures for one type of activity in the economy, it may be affected by another and directly influence yet another piece of data in turn. So it is with Employment and jobs data and the influence they have […]

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Three Additional Ways To Respond To A Low Appraisal

The number one cause of cancelation of a real estate sale is the lender receiving a low appraisal in response to the loan application. Three of the most basic responses are to dispute it, renegotiate with the seller and change lenders. These are not the only options, there are other, more daring tactics to help […]

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What Is The Federal Reserve: Federal Reserve System Basics

Overview The central bank of the United States that is entrusted with the responsibility of making sure the nation has a flexible, safer, and stable monetary and financial system is known as the Federal Reserve or just the Fed. The Congress created this system after President Woodrow Wilson signed the agreement that made the Federal […]

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