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Why You Should Make an Offer Before November 16

November 04, 2013

Credit is about to become a lot more limited for some potential homebuyers—and it has nothing to do with the government shutdown or America’s debt ceiling. On November 16, Fannie Mae will be going through extensive changes, which will drastically change the kind of loan you’ll have access to. So what are the changes? And […]

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What is a Jumbo Mortgage?

September 17, 2013

In every county in the United States, Fannie Mae and Freddie Mac have imposed conforming loan limits. These can vary, if you live in an especially high-cost area, but less than 200 of the 3,300 U.S. counties have limits above the national standard of $417,000. For most people living in the United States, home-buying options […]

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Understanding How Your Credit Score is Determined

August 28, 2013

Everyone knows the importance of a good credit score, even if you don’t know what your credit score is. More unknown is how lenders calculate a credit score. The most prominent method emerged in the early 1980s by the Fair Isaac Corporation in conjunction with three large credit companies. Over the years investors have learned which factors […]

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What To Do if Your Mortgage Application Has Been Denied

August 02, 2013

If your mortgage application has been denied, you’re not alone. On average 27% of mortgage applications are turned down by the ten largest lenders. The reasons vary from your credit rating to the appraisal on the home to inconsistent data on your application. Although it can be disheartening to find out your loan application has […]

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Is Paying Your Mortgage Off Early a Good Idea?

May 10, 2013

Thinking of paying off your mortgage over the next 30 years of your life can seem like a debt that is owed for an eternity. Indeed, 30 years is likely the lengthiest debt you will ever take on as a responsible adult. While paying off any long-term debt early can always be considered a benefit, […]

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How to Avoid a Mortgage Relief Scam in Atlanta, GA

April 17, 2013

As the old saying goes, if it sounds to good to be true, it probably is. There is no exception to this rule when it comes to mortgage relief programs. Even with the many beneficial programs to refinance your mortgage that are currently being offered, making sure you are working with a reputable mortgage lender […]

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HARP 2.0 Extended Two More Years, 3.0 May Be Coming

April 17, 2013

The federal regulator for Fannie May and Freddie Mac recently announced it will extend the popular refinancing program, HARP 2.0, for two more years. You can read the official announcement here. What Is HARP? The Home Affordable Refinance Program, or HARP, allows homeowners with loans backed by the mortgage-finance companies, Fannie Mae and Freddie Mac, to refinance even if […]

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