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When you are shopping for a home loan, it is important to make sure that you end up with the best loan possible. The only way that you are going to be able to do this is if you understand all of the terms of your mortgage loan. You may encounter different interest rates along …
If you are planning on buying a new home at some point in the near future, there is a good chance that you are going to need a home loan. One of your loan options may be a conventional mortgage. A home could be the most valuable investment you ever make. The way you finance …
A Simple Guide to Understanding Conventional Mortgages Read More »
If you are considering a major renovation on your home, then you should be thinking about a cash-out refinance. Refinancing your home loan is a great way to get tax-free cash that you can use to upgrade your home. When you decide to go with a cash-out refinance, you are going to refinance your mortgage …
Buying a home for the first time is exciting but can also be rather intimidating. Dealing with down payments, finding a mortgage, and this doesn’t even deal with finding your dream home. These tasks must be approached with confidence because buying a home is likely the biggest purchase you’ll ever make. First-timers should keep these …
When it comes to buying a new home, two key terms are tossed around within the aspect of mortgage approval. One of the first questions you are likely to encounter when making inquiries about homes or seeking an agent is, “Are you prequalified or have a preapproval on a home loan?” While they sound the …
Pre-qualification Vs. Pre-approval: What’s The Difference? Read More »
Private mortgage insurance (PMI) is a specific type of insurance for mortgage holders. Its purpose is protecting lenders should a borrower fail to make payments on the loan. Not to be confused with homeowner’s insurance that covers property damage and theft, private mortgage insurance gives lenders a route for compensation if borrowers bailout. Let’s explore …
While it’s long been the standing concept that you have to save up 20 percent in order to get a home loan, this is no longer true today. There are options now that include down payments as low as 3 percent, and certain buyers may even qualify for a zero down loan. Here, we’ll address …
Home Loan Down Payments: How Much Do You Really Need? Read More »
As one of the biggest investments in your life, you likely will have a lot of money tied up into your primary residence. As equity builds, you get one bit closer to complete ownership. However, life can sometimes throw challenges or even opportunities your way that requires funds. The good news is, that you can …
Whether you are looking to purchase a new home or refinance an existing one, you want to make sure that you get the best price possible for your home. In order to do this, you should try to get the lowest interest rate possible. One way to achieve this is through mortgage points. At the …