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What is the Mortgage Interest Deduction? The mortgage interest deduction, as the name suggests, is a specific type of tax incentive aimed at homeowners. It’s an itemized deduction that allows you to deduct any interest that you’re paying on a loan that was specifically related to building, purchasing or improving your primary residence. Once claimed, …
What is Mortgage Forbearance? Mortgage forbearance is a term that describes what is essentially a temporary pause in your monthly mortgage payments. People request mortgage forbearance for a wide range of reasons, including if they’re going through some type of financial hardship due to the loss of a job or if they’ve incurred unexpected expenses …
The Difference Between Mortgage Forbearance and Mortgage Deferment Read More »
Almost everything you read about getting a mortgage advises that the first step is to build your credit. Often, this is a process that takes at least a couple of years; time that not everyone has. Whether you’re trying to buy a home for your new family, striving to get some stability in your life, …
How to get a Mortgage and Buy a Home Even if You Have Poor Credit Read More »
Getting a mortgage can be an indicator of the one most exciting times of your life. It means that you may soon be getting into the home of your dreams. When it’s finally time to apply for a mortgage, it’s important to make sure you get it right. The more prepared you are, the better …
5 Ways to Increase Your Chances of Getting a Mortgage Read More »
When you’re applying for a mortgage, you have the option of working with a mortgage broker and working directly with a bank. There are pros and cons to each one, but the experience is completely different. Deciding whether to work with a mortgage broker or a bank is important because it influences the choices you …
The Difference Between Working with a Mortgage Broker and a Bank Read More »
If you’re looking for the best moment to jump into the market and buy a home, you likely have your full attention on mortgage interest rates. As the rates dipped lower and lower all throughout 2020, there was seemingly no end in sight, leaving you asking, “Will that trend continue through 2021?” The fact is, …
3 Reasons You Should Not Wait for Lower Interest Rates to Buy a Home Read More »
New buyers interested in purchasing a home may have heard the term “FHA loan” before . FHA loans are specifically designed to help new buyers afford home purchases and expand their options when looking at real estate. FHA-approved lenders can offer these loans to buyers looking for more flexible mortgage options, but there are limitations. Here’s …
Buying a home in 2021 can be a challenging and rewarding process. By learning the process of buying a home ahead of time, much of the stress the accompanies the home buying process can be relieved when you decide to move forward because you know what to expect. The following steps can equip those who …
Buying a home involves many different elements. While choosing the right neighborhood, the home type, and floor plan are exciting steps in the process, it’s also equally important to learn about how you are going to finance your home. Here are some of the loans available to do just that: Conventional Loans Conventional mortgage loans are …
If you are planning on applying for a home loan, or are planning on refinancing in the future, then you want to make sure that you get the lowest mortgage rate possible. You aren’t going to get anything extra if you unnecessarily pay extra money every month. The lower the interest rate is on your …
How To Get a Low-Interest Rate on Your Mortgage Loan Read More »