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Stiffer Lending Requirements Expected in 2014

November 08, 2013

Changes are coming to the mortgage market, and they’re coming all the way from Congress. The Dodd-Frank Mortgage Reform Act is set to go into effect in 2014, and its goal is simple: set tighter restrictions on lending. Many new qualifications will be required from borrowers, restricting the number of people who can access a loan—and […]

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How to Avoid Making a Costly Home Inspection Mistake

October 16, 2013

Getting a home inspection is an important part of the home-buying process. It is a measure put in place to ensure you’re making a sound investment. The result can have a huge impact on your ability to obtain financing through a government-backed loan—and it can effect your bottom line based on the inspection results. While […]

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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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5 Simple Steps to Obtaining a Great Mortgage

August 20, 2013

Anyone who’s spent weeks browsing realtor publications knows finding the perfect home can seem nearly impossible. Until you’ve begun the process, though, you may not realize finding the right mortgage can feel almost as difficult. Despite how commonplace the mortgage-lending process is in America, many people find it challenging to navigate; the perfect mortgage often […]

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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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What is an Assumable Mortgage?

July 18, 2013

Despite recent increases, interest rates still remain at historically low levels. However, purchasers that have become accustom to seeing mortgage rates in the 3% range are turning to less traditional methods of financing to purchase their home. One of the more uncommon methods of obtaining a mortgage is utilizing what is referred to as an […]

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Writing a Personal Letter with Your Offer

May 03, 2013

In many markets such as Las Vegas, Phoenix, and Portland demand for homes is beginning to hit a feverish pitch. Supply is low and homebuying season is in full swing, leading to multiple offers on prime properties in many recovering markets. With so much on the line when you make an offer on a home […]

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