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Why You Really Want to Refinance Before April 1st, 2013

March 11, 2013

If you have been considering refinancing and plan to do it this year, now is the time to take action. Outside of being able to get in on some of the lowest interest rates in history, there are changes coming down the pipeline after April 1st that could potentially cost you thousands of additional dollars […]

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3 Simple Ways to Pay Off Your Mortgage Early

March 08, 2013

If you have dreamed of being debt free, you’re not alone. Today the average student completes college owing nearly $27,000 in student debt, owes an average of $7,000 in credit card debt, and carries and average mortgage balance of $181,225. On a $181,225 mortgage at 5.0%, you will end up paying a total of $169,002.80 […]

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Qualifying for a Home Loan: How to Build Your Credit

March 07, 2013

In this day and age, credit scores seem more important than ever. They are used to determine your worth when you apply for financing, a rental home, even for a job. It may seem impossible to get financing when you don’t have an established credit history, but no credit score is actually far better than […]

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The 5 Best Remodeling Projects for Your Home Resale Value

March 07, 2013

If you have watched any home improvement shows or are a follower of HGTV, you probably already know that from a resale perspective, bathroom and kitchen remodels will pay real dividends when it comes time to sell your home. But there are other less dramatic and practical home renovations that you can do to increase […]

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Mortgage Lender vs. Mortgage Broker: What’s the Difference?

March 05, 2013

Decades ago when you applied for a home loan, you simply visited your local bank – the same place you keep your checking and savings accounts. Today, you have access to a much wider range of options. You can apply for a loan with mortgage brokers, credit unions, state and regional housing agencies, private home […]

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The 5 Hottest Cities for Real Estate in 2013

March 04, 2013

The nation’s housing market is in full recovery mode, but not all areas of the country are feeling the recovery quite the same. And while it is widely expected that gains will be felt across the country, some cities are destined to fair far better than others. Here are ten cities that are expected to […]

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APR vs. Interest Rate: What’s the Difference?

March 04, 2013

Many people may use these two terms interchangeably, but interest rate and APR actually serve as two different functions. The short explanation is that the interest rate is the starting point in what you will pay for a mortgage loan, while the APR is the rate plus any associated fees. Definitions: Interest Rate: An interest […]

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