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Your credit score influences the price of anything you buy unless you pay for everything in cash. Having a credit score below 680 may make you pay a lot more than having credit scores over 680. The good news is it’s not so difficult to boost your score up a level that really benefits you.…
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Please look at the graphic below when it comes to making a down payment of 20% or more and some of the benefits. Share this Image On Your Site </p><br /> <p><strong>Please include attribution to 1st NWM with this graphic.</strong></p><br /> <p><a href=’https://www.1stnwm.com/blog/5-reasons-make-20-percent-payment/’><img src=’https://www.1stnwm.com/blog/wp-content/uploads/2016/10/5-reasons-down-payment-w.jpg’ alt=’Benefits of a 20-percent Down Payment ‘ width=’540px’ border=’0′…
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Government-backed Home Loans FHA home mortgage loans offer home buyers a excellent low-down payment solution at 3.5% for various income and credit score tiers. Even with credit below 580, the down payment is attractive at 10% down. Then, you have the zero down payment options from the VA and USDA loan programs helps specific borrowers…
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Evaluate Your Documentation Prior to Giving It To The Lender When you purchase a home using a mortgage, you’ll need to verify your income and liquid assets through documented proof. Additionally, your down payment will need to be sourced and must be an acceptable source per the lender’s guidelines. In most cases, it means providing…
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As you get into your 30s, found “the one” you want to put a ring on, the idea of cementing your roots in one place and calling it home have grown more and more attractive. So, you may find yourself searching homes for sale on local Orange County real estate sites or Zillow a few…
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While many prospective home buyers focus solely on interest rates, an equally, if not more significant item, is the availability of mortgage programs that help buyers. This includes those purchasing for the first time in three years known as first-time home buyers. First-time home buyers made up one-third of home sales in June 2016, which…
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There is one particular document just about all home buyers should have prior to viewing a home they are considering making an offer on. It’s known as a pre-approval letter. Most licensed real estate agents and won’t make an appointment for you to see the inside of home without that all important document. In high…
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For a good number of families, becoming a homeowner will be their biggest investment. Now if you factor in military families who have to move a lot, home buying gets a little more complicated. Fortunately, special tax rules were designed to help military families who decide to rent out their homes when they are transferred…
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How Much Home Can You Afford? This is one of the top questions home buyers have. Having said that, it may be the incorrect question in terms of your finances. Rather than trying to afford the highest home price a lender tells you, it may be better to figure out the maximum monthly payment you…
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Sometimes a little assistance is needed to get started in life when you don’t qualify on your own for a car or a home loan. The solution many use to get a co-signer. A cosigner, essentially a co-borrower, is someone who signs a legally binding agreement to repay the loan based on a number of…
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