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How debt and income shape your home-buying budget

Unless you won the lottery and are going to pay in cash, it’s always good to talk to lender to find out what you can afford before you start shopping for a home. But there are steps you can take before then to prepare yourself, mentally and financially. In fact, it only takes a simple […]

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What to Know Before Buying a House During the Pandemic

Buying a home remains an important aspect of the American Dream for many people. But how has the pandemic affected that dream? The COVID-19 pandemic indeed not only changed how we live and work, but also how we view and manage our finances. Is selling or purchasing a home during these challenging times a good […]

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Pre-Qualified vs. Preapproved: What’s the Difference?

A very common question that we get asked as our clients get ready to buy a home, is what is the difference between pre-qualification and pre-approval? Are they the same? Is one better that the other? The truth is they sound very similar, and in fact they are similar in many ways. But the differences between […]

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Simple ways to find when you’ll break even on points

When you’re considering a mortgage with lender credits or discount points, it helps to determine how long it will take to break even. Simply stated, you break even when the savings from one of these loan features even out with its cost. You can ask your lender to share this information with you. But it’s […]

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Key things to know about closing costs

As if securing a down payment and qualifying for a mortgage isn’t difficult enough for first-time homebuyers, you also need to factor closing costs into your budget. These fees and taxes typically add 2%–6% to the cost of your purchase. And if you are not prepared, they can become the difference between moving in and […]

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ARM Loans & Who They Are Right For

ARM loans are something you may have heard a lot about right after the 2008 mortgage crisis. Although they have a bad reputation, they can be a smart mortgage strategy for the right borrower. ARM loans are known for their complex interest rate adjustments but have come a long way since 2008. Lending guidelines have […]

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Getting Your Credit

“How good does my credit score need to be to apply for a mortgage?” We get that question almost every day and the answer is that, it depends. Credit affects your eligibility for a mortgage in many ways and will depend on your current financial situation. While the best plan of action is to meet […]

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Preparing Your Home For Inspection

Selling your home can be a lengthy process and an inspection can be one of the scariest parts. Below we have prepared a short list to help homeowners prepare for an easy and stress-free home inspection. Reduce Clutter Try to reduce clutter in your home (especially in the areas the inspector is likely to use […]

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Down Payment – 5 Tips To Saving To Buy A Home

 One of the biggest obstacles for potential homeowners is saving for a down payment. That is why we put together a list of the 6 best ways to save for a down payment on your home. 1. Fixed Automatic Transfers Using a fixed automatic transfer from your checking account to savings account is the perfect […]

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5 Mistakes That New Home Buyers Make

Buying your first home can be nerve-wracking if you don’t have the right team to guide you through the process. After helpings thousands of families buy their home, we have come up with a list of the 5 most common home buyer mistakes and how to avoid them. #1 Making an offer without determining buying […]

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