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Do You Need to Be “Perfect” to Get a Mortgage?

June 12, 2018

When you picture the “perfect” home buyer, what comes to mind? Most likely, it’s a person with an excellent credit score of 740 (if not higher), with enough money in the bank to put 20 percent down, plus extra to cover the closing costs and any surprise expenses that come along, and with enough income […]

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Tips for Locking in the Best Atlanta Mortgage Rate

June 07, 2018

Many homebuyers may not be aware of this, but mortgage interest rates do not fluctuate on a day-to-day basis, but can change throughout the day. Many people in the midst of buying a home may be asking themselves, “When should I lock in my rate?” This is an excellent question with no easy and foolproof […]

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How Long Should You Wait Before You Refinance Your Mortgage

June 06, 2018

Despite many misnomers on the web today, there is absolutely nothing that would prevent you from refinancing your mortgage the day you closed on your loan if you so chose to. However, that doesn’t mean you should. So armed with the knowledge that you can in fact refinance whenever you would like, the next practical […]

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Tapping into Your Home Equity to Buy a Second Home

June 04, 2018

Here’s a figure that may surprise you: 6% of all residential sales in the U.S. are for second or third homes. Many people consider second homes a luxury only the rich can afford, but more and more homeowners are investing in second homes—for personal use or income. How individuals go about this varies, but tapping […]

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6 Tips for Paying Off Your Mortgage

May 25, 2018 6 Tips for Paying Off Your Mortgage

Mortgages are loans measured in years and decades, and the prospect of paying one off can often seem a bit distant. However, it’s possible to shave years (and therefore dollars) off the total amount of your mortgage. Here are six things you can do to speed up and pay down the biggest purchase of your […]

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6 Steps to the Home Buying Process

May 15, 2018

You’ve made the decision to buy a home, you’ve saved for a down payment, and you’ve been pre-approved by First Option for a mortgage. So what do you do next? What does the approval process look like? Have no fear! Here’s our guide to getting approved for your next big step and getting into your […]

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Is Refinancing Right For You? [Infographic]

May 08, 2018 Considering a mortgage refinance? Consider the main types of home refinances an which refi is right for you.

Are you looking to reduce your monthly mortgage payment or cash-out some of the equity you’ve build up in your home to use for a big project or to pay off debt? There are two main types of mortgage refinances: a cash-out refinance and a rate and term refinance. Check out our helpful infographic covering some […]

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