Can You Get a Mortgage Having a New Job?

You could be thrilled with your exciting new job, but your lender may not be so pleased. When qualifying one for a loan, lenders rely on a steady employment record with a couple of years of increasing or steady income to determine the loan amount you are capable of paying back. Changing jobs shortly before […]

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Questions a First Time Home Buyer Should Ask

Purchasing a home is an exciting, but possibly intimidating procedure. Committing to the expense and responsibility is a very first step in buying a home. Every time a healthy economic outlook and low interest rates induce first time buyers to enter the market place, competition for homes raises. In contrast, when climbing unemployment dampens buying […]

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The Way to Compare APRs for Mortgages

Lenders are required by legislation to provide customers with an APR (annual percentage rate) for each loan they supply. This rate tells you what the total annual cost of a loan will be, including broker charges, interest rate, points and other credit fees. To exemplify, all things being equal, a loan with an APR of […]

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How to Create a Real Estate Agent Website

Most real estate agents want a website that will allow them to efficiently communicate with home sellers and buyers. A fantastic website can help you gain clientele. While agents understand that the value of creating a website, many are on a tight budget for web designing. Selecting a web designer by the hour isn’t affordable. […]

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How to Purchase Real Estate in an Auction

At real estate auctions the auction house, the company that conducts auctions, acts as the intermediary between the seller and the purchaser. It’s not necessary to have a real estate agent represent you in an auction. Real estate offered in auctions is sold”as-is,” significance in its current condition on the day of the sale–no repairs […]

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Can I Add a Credit Line for My Mortgage?

Homeowners who have equity in their homes have flexibility in selecting how to access that equity. Some homeowners choose to refinance the entire first mortgage employing a cash-out refinance. Some choose to acquire a fixed-rate next mortgage. Other people prefer to get a home equity line of credit, or HELOC, as a second mortgage. Such […]

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How to Purchase a House to Make an Offer

Buying a home can be a complicated procedure. From finding your home, to procuring financing, to making a deal, the deal can take months and involve everybody from real estate agents to home inspectors. Knowing what’s involved in the procedure before beginning down the road to buying your home can help save you time, stress […]

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First-Time Home Buyer Information

Buying your first home is an exciting, yet scary, right of passage. For many, it equals the move . To young couples, it is the symbol of the urge to talk about a dedicated life together and begin a family. No matter what the emotions are, purchasing a house is not just a psychological experience, […]

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Basic Amortization Formula

To”amortize” a loan is to pay it off in regular installments. One of the benefits of a fixed-rate mortgagethat is, one having an rate of interest that never changes–is that it is completely amortized. Meaning your monthly payment for principal and interest remains the same for the length of the loan, and at the conclusion, […]

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How Can I Sell Real Estate?

You can save thousands of dollars in real estate commissions by selling your home without a realtor. Selling your home yourself demands more work on your part, but it can be better for your bottom line. Readily available resources can help you competitively price your property, and small cosmetic fixes will improve curb appeal. And […]

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