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5 Questions You Should Ask Before You Get a HELOC

March 11, 2014

Home Equity Lines of Credit (HELOCs) are becoming quite popular among homeowners, especially those who suddenly need some extra cash. Despite the fact that they’re relatively commonplace, many people don’t entirely understand them, because they’re different from most other loans. If you don’t understand them, HELOCs can appear too good to be true. At First […]

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2014: The Year of the Move-Up Buyer

March 07, 2014

Steadily rising home prices in 2013 helped 3.9 million borrowers rebuild enough equity in their homes to get them back in positive territory on their mortgages this year. According to CoreLogic, home values improved 12% between Jan 2013 and Jan 2014, and in some markets like Las Vegas, parts of California, Phoenix, and Salt Lake, […]

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How to Purchase an REO Property

March 05, 2014

When you see a property that is a Real Estate-Owned (REO) foreclosure, it means that the lender has repossessed the home from the borrower who failed to make payments. This type of property became increasingly popular during the economic downturn, and bank owned properties continue to be a viable option for people looking to purchase, […]

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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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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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