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Strategies for Preparing to Purchase Under New Lending Guidelines in 2014

December 20, 2013 Purchasing in 2014

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 townhome

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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How to File Your Mortgage Interest Deduction

December 12, 2013 IRS mortgage deductible

Deducting the interest you pay on a mortgage is one of the nicest benefits of owning a home. Come April, you’re likely to save quite a bit when you file your taxes. Unfortunately, like all things involving taxes, filing your mortgage interest deduction is complicated. As you prepare to file, you need to know what […]

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The Perfect Holiday Gift: A Mortgage Down Payment?

December 11, 2013 Down Payment Gift

Tis the season for giving, and what better gift to give than a gift to last a lifetime in the form of down payment assistance for a close family member? Not everyone can afford to offer this kind of generosity, but according to the National Association of Realtors, 14% of all homebuyers and 24% of […]

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5 Ways to Save on Your Mortgage Before the End of 2013

December 10, 2013 end of 2013

The end of the year is rapidly approaching, which can be a scary event for people shopping around for a mortgage. Legislation and new rates can completely change the game, which is why a lot of home-buyers rush in the last weeks of any year to close. If you’re house-hunting and looking for a mortgage […]

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Should You Rent to Own a Home?

December 04, 2013 Rent

For many, the biggest obstacle to purchasing their first home is oftentimes the down payment and getting the funds together to make the initial investment in a home purchase. If you’re struggling to qualify for a home mortgage, the idea of renting to own a home may sound like a potential solution that will guide […]

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What to do If You’re Over-Extended on Your Mortgage

November 26, 2013 avoiding default

Since the housing recovery began, mortgage defaults have become rarer and rarer. All the same, 9% of home-owners need 40% or more of their monthly income to make debt payments, which means many people are at risk of default or over-extending their mortgage. With student loans, credit card bills, and other random debts, mortgage payments […]

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