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Category: Mortgage Minutes (18 posts)


How to Improve Your Chances of Being Approved for a Mortgage

 

For most first time home buyers, obtaining a mortgage is a crucial part of the purchasing process. However, being approved for a mortgage is often easier said than done. It can be disheartening to f...

 
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The Pros And Cons Of Reverse Mortgages - A Quick Guide

 

No matter how carefully you plan, life can put a dent in your retirement funds. A life-altering accident or illness can turn your life upside down. Dipping into your retirement to meet uncovered expen...

 
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Should You Get a Shorter-Term Mortgage, Make Extra Payments, or Something Else?

 

When getting a home mortgage, if you can afford higher payments, often the option of a 15-year loan instead of one of 30 years is an option. It can be an enticing idea to know that you'll be free of a...

 
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Real Estate: How to Refinance a Mortgage with a Bad Credit Score

 

There are many excellent reasons a homeowner may look into refinancing their mortgage. To refinance means to replace your current mortgage with a new one, almost always with a lower interest rate. For...

 
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Planning to Refinance Your Mortgage? Ask These 4 Questions First

 

Deciding to refinance is a crucial financial move that can help you make significant savings. When you plan properly, do your research, and take time to evaluate where you stand financially, you'll be...

 
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Four Strategies That Can Help You Get Approved for a Mortgage

 

So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, es...

 
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Looking to Invest? Pay Down Your Mortgage Instead

 

With all the gloomy news about pension plans in the press you may be worrying whether you should actually be investing in a pension plan or not. A new wave of thinking suggests possibly not. There may...

 
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Buying a Home, Step One: Mortgage Pre-Approval

 

Whether you're looking to buy your first home, or haven't purchased a home in the past several years, you may be surprised to discover that searching your local real estate listings is not the best pl...

 
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Why Remortgage? 4 Excellent Reasons to Consider Refinancing Your Home

 

Your home is probably the most significant purchase you'll ever make, yet it's surprising how many people simply continue paying their mortgage every month without thinking too much about it. However,...

 
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Is Having No Credit As Risky As Having Bad Credit?

 

Let's clear up one misconception, right off the bat: having no credit is not the same as having bad credit. 'No credit' simply means that your credit history - which tracks your loans and repayments o...

 
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How to Manage Your Credit Card Debt: A 4-Step Strategy

 

Being in debt is undoubtedly stressful, more so when the interest rates keep pushing your overall debt to skyrocketing amounts. Many people fall into the temptations of unnecessary expenditures and en...

 
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3 Ways to Change Your Financial Habits

 

Some financial habits are good, but others can hold you back and prevent you from saving. If you need to change your financial habits, it is important to take a step-by-step approach. This three-step ...

 
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Strategies to Dig Yourself Out of the Debt Hole

 

Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can help...

 
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Should You Spend the Full Mortgage Amount You're Approved For?

 

  Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for ...

 
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Take Advantage of Low Interest Rates - Refinance Your Mortgage Today

 

Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more.     If you bought your home more than a few years ago, you could probably benefit ...

 
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Why You Need an Emergency Fund - And How to Get One

 

Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, a...

 
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Financing Your First Home

 

A lot of emotions are involved when preparing to apply for your first mortgage, including excitement, apprehension, joy, and dread. If you do the necessary preparation before diving into the home-buyi...

 
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How to Maintain a Good Credit Rating Throughout the Year

 

If you want to make it easier to get an auto loan, mortgage, or new credit card account, you need to maintain a good credit score. It's easy to do so, particularly if you follow the tips presented her...

 
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