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What Does A Mortgage Lender Look At For Loan Approval

If you’ve been looking at getting a mortgage, you know your credit score is an important factor to get qualified. However, what you may not know is that mortgage lenders look at your entire financial profile. When lenders approve you for a mortgage, there is an element of risk. You may make late payments or […]

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Your Guide To Becoming A Homeowner In 2020

The New Year is here and so is the time where people start thinking about their resolutions. Whether it’s to save money, lose weight or spend less time on social media, the New Year gives us an opportunity to start fresh on a new set of goals. Your “New Year, New Home” Checklist: Figure out your […]

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4 Reasons Why Winter is the Best Time to Buy a Home

Winter is truly the off-season for the real estate market. It’s cold, people are busy with the holidays, the weather can be crazy and it’s generally harder to make a move during this time. Believe it or not, these factors are also great reasons to jump into the housing market and purchase a new home. […]

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What Makes Up A Mortgage Payment?

Buying a home is both an exciting time and a rewarding experience. Whether you want to fire your landlord, grow your family or build your financial independence, a home is the way to get it done. Before you get started, it’s important to understand where your payment is going every month. Your monthly mortgage payment […]

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Use This Checklist To See If You Have A Strong Pre-Qualification

Getting a mortgage can feel like a daunting task. You may not know where to start, who to talk with or if it is possible at all. The first step of the mortgage process is getting pre-qualified. When getting pre-qualified by a lender, you will sit down and evaluate your current financial situation. You will […]

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Top 3 Homebuying Fears

As home prices increase, mortgage rates fluctuate, and competition between buyers remains fierce, many first-time homebuyers have become skittish to even consider homeownership.  Even when prices, rates, and competition have favored buyers, many still have reservations. Standard concerns, such as fear of revealing your credit score, scared the process will be too complicated, or anxiety […]

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What is PMI and How Can I Avoid It?

The mortgage process can feel like a whirlwind of confusing new terms, costs for items you haven’t heard of before and daily documentation requests from your lender. One of the terms that may come up during your lending process is PMI (private mortgage insurance) or MI (mortgage insurance).  This is important to learn as it can […]

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Is Now the Right Time to Refinance?

As we approach the holiday season and the end-of-the-year chaos, the idea of how much you will be spending and how much you need to be saving is probably in the back of your mind. Holiday spending can be a huge financial weight, especially with the season’s added stress and a large pile of bills […]

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What You Can Expect At Your Closing

It can be a whirlwind 30 days from the moment the sellers accepted your offer and signed the sales contract to the final settlement. Once the contract is executed by both parties, it all begins. You’ve already provided your lender with your paperwork needed to get your preapproval letter, so now it’s time for various […]

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5 Questions to Ask If You’re Thinking of Buying Your First Home

There’s no doubt buying your first home can be a little intimidating. It’s certainly a big commitment and even though you’ve read rent vs. buy articles convincing you buying is better, it’s still no small decision. And that’s okay! All homeowners can remember when they bought their very first home. Suddenly there were new terms bandied […]

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