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Category | Mortgage Basics

Do Adjustable Rates Make Home Loans Dangerous?

Adjustable rate mortgages or ARMs are home loans where your payments change with the state of the economy, to reflect changing interest rates. A typical ARM has a period fixed for five years and then adjusting annually after that. The hazard for ARMs is that, if the economic conditions are right, they can become very […]

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Private Mortgage Insurance Is Your Conventional Loan Leverage

But Leave It Behind At The First Opportunity If you thought that borrowers have to put a twenty percent down payment on a home to conventional home loans, you would be pleasantly surprised to find that this is not the case in fact. Borrowers can purchase insurance on conventional loans. The innovation of private mortgage […]

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Marking The Path To Home Ownership With Information

Use Your Personal Financial Information To Help Yourself The digital age gives consumers the chance to find out how they appear to credit agencies, to track changes in credit and manage finances better. With a little determination, consumers who know how to exploit the technology and interrogate the right information sources can use it to […]

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Jumbo Loans Unlock Dream Homes

Financing A Worldly Paradise If price were no limit what kind of house would you buy? If you look around at your local housing markets from this point of view, it’s incredible what you can purchase with sums of money that are not that far out from the typical home loan. If you have excellent […]

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Should You Take The First Loan Your Lender Offers?

Crafting The Right Loan For You The principle here is to get prequalified with confidence but get pre-approved sparingly. The difference is that for the latter, you will have to have a hard inquiry on your credit report that adversely affects your credit score every time you do it; too many home loan inquiries could […]

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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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