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Financing & Insuring

Financing & Insuring

5 Ways to Help Maintain (or Improve) Your Credit Score

February 10, 2019

Keeping a spotless credit history can be tough, but if you’re hoping to buy a home, maintaining or improving your credit score is well worth the effort. Factors like your FICO® score help lenders determine your creditworthiness, which in turn affects what mortgage rates, loan amounts and terms they can offer you. Luckily, there are some simple things you can do for your credit health. 1. Check your credit regularly and report any errors. Before you can improve your credit, you’ll need to know where you…

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Financing & Insuring

Home Buying Infographic: The Mortgage Process

February 8, 2019
New home streetscape

Whether you’re a first-time home buyer or it’s just been a few years since you last looked into home financing, this infographic is for you! It gives a very simple overview of the mortgage process from start to finish and, if you want to dive deeper, a link to get our Mortgage Quick-reference Guide. Knowing what to expect—the steps involved, the questions you’ll be asked, the documentation you’ll need to provide—will help you plan ahead and stay on track for a smooth closing. DOWNLOAD AND SHARE…

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Financing & Insuring

Online Tools to Improve Credit

January 21, 2019

An acceptable credit score is one of the keys to getting your home loan application approved. Mortgage lenders have historically used FICO® scores—derived from data collected by one or more of the three major credit bureaus—as a major factor in determining whether you qualify for a mortgage. Different mortgage lenders can approve or deny loans based on their own risk tolerance, but anything below a “good” range may significantly decrease your odds of loan approval—and of a favorable interest rate if you are approved. So, what…

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Financing & Insuring

How to Use a Mortgage Calculator

January 9, 2019

Mortgage calculators are an underappreciated example of how the web has made home shopping easier, smarter and flashier. OK, maybe not flashier, but definitely easier and smarter, as they can provide quick insights into whether you’re able to afford a mortgage, and if so, what you’ll want or need for a down payment, monthly payment, etc. Check your borrower profile below to see which mortgage calculators you might find useful. Keep in mind, however, that while these will give you good ballpark figures, they won’t…

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Financing & Insuring

How to Manage Your Credit Score During the Holidays

December 4, 2018

The holidays are a tempting time to splurge, but if you’re planning on purchasing a home in the near future, keep a close eye on your bills. ‘Tis the season for spending, but the five tips below will help keep your credit score in great shape. Check in Forget making a list and checking it twice—check your credit score instead! It can be easy to forget where you’re at, and keeping your score top of mind is a great way to prioritize your credit goals…

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