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Closing Costs Explained

February 10, 2014

In addition to the down payment, the principle, and the interest owed on a new mortgage, you will need to pay closing costs when you purchase a home. Closing costs include the fees and expenses charged by the lender and third parties, relating to the purchase of real estate. While closing costs vary depending on […]

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The 3 Most Common Questions About Locking in Your Mortgage Rate

February 05, 2014

A mortgage rate lock is one of the more complicated and critical aspects of obtaining a home loan. Meant to cover the buyer while the loan application is being processed, a mortgage rate lock will guarantee the buyer an agreed upon interest rate at closing. It’s also usually guaranteed by the lender for set time […]

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How to Build Up Equity in Your Home More Quickly

January 21, 2014

Paying off your mortgage early can seem like an impossible feat, especially if your budget is already tight. Building up equity more quickly does require some work, but it can be manageable, if you strategize correctly. If you want to cut down on the life of your loan, consider one or more of these tips. […]

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Mortgage Debt Forgiveness Act Expires

January 20, 2014

On January 1, 2014, The Mortgage Debt Forgiveness Relief Act officially expired. This government assistance program, first launched in 2007, has helped millions of homeowners currently underwater with their mortgage. Most analysts and politicians agree that the Mortgage Debt Forgiveness Act should be reinstated, but until it is, you should know how it affects you. […]

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Home Equity Loan vs. Line of Credit: What’s the Difference

December 23, 2013 great ways to save when you're ready to buy a house

While the basic structure of first home loans is essentially the same across the board, second mortgages come in a variety of forms. Homeowners who suddenly need extra funds have to decide between a few different second mortgage options—the most common of which are home equity loans and lines of credit. Though both deliver the funds […]

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Strategies for Preparing to Purchase Under New Lending Guidelines in 2014

December 20, 2013

Is one of your New Year’s Resolutions to purchase a home in 2014? With the economy in recovery and more stability and predictability in the housing market, you’re not alone. But like any other large financial or life goal, preparation is required to make your resolution come to fruition. If you’re preparing to purchase a […]

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Is a Condo or Townhome a Smart Idea?

December 19, 2013

If you’re a first-time homebuyer on the market, your price range is likely limited. Once you’ve been pre-approved for a loan, you have to house hunt within those parameters, which can feel restricting. Condos and townhomes are appealing investments for a number of reasons, perhaps most attractive for their generally lower cost. If you’re on […]

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