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home financing

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Buying a Home

5 Things to Do Before You Contract on a New Home

June 4, 2019

We recommend having a checklist of things to research and do in the days and weeks leading up to your home purchase. A few simple steps can help you feel prepared, well-informed and ready to sign that contract with confidence. 1.   Scope out neighborhoods If you’re moving within the same area of town, researching the neighborhood may not be a necessity. But if you’re relocating between states or even across town, this is a must! When you purchase a home, you’re also buying into the…

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Financing & Insuring

Choosing a Mortgage Lender

May 29, 2019

Aside from finding a good real estate agent, choosing a mortgage lender is a key step before actively hitting the market in search of a new home—unless you’re paying all cash, that is. Equipped with a mortgage loan preapproval, you’ll have a much better chance of a streamlined experience when you contract on a home. Let’s look at a few considerations when deciding which lender finances your next home purchase. Rate comparison Interest rates from different lenders can fluctuate slightly up or down from the…

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Financing & Insuring

Student Debt and Buying a Home

May 7, 2019

Student debt is a hot topic these days, and little wonder: approximately 44.7 million Americans were paying back student loans as of 2017, according to the Federal Reserve Bank of New York (spreadsheet). If you’re one of them and have hopes of purchasing a home, the good news is that buying a home with student debt is achievable for many people. But each potential buyer should take a careful look at his or her student debt—and overall finances—to assess what’s smart for them. For some,…

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Financing & Insuring

Applying for a Mortgage Soon?

February 15, 2019
Get your credit mortgage ready with these 8 tips

We’ve created this handy infographic to help you understand and work to improve the factors that affect your credit score—an important consideration for any lender reviewing your mortgage application. Your credit score may influence what types of loans you can qualify for and what rate lenders will offer you, so it’s best to make it a priority as soon as possible in your home search. For more detailed information, download our free guide, 8 Credit Score Management Tips.

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Buying a Home

The House Hunting Experience: New vs. Resale

February 5, 2019

Homebuyers often think of buying new construction as a mysterious process. And as with many things, the unknown can make people nervous. But fear not! Buying a new construction home can be different than buying a resale one, but we’re here to get you up to speed on the differences—and similarities. New vs. resale: Financing With a resale home, prequalifying can help you determine your budget and may help the loan process go more smoothly when you move forward with a purchase. Buying a new…

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