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Self-Employed Mortgage

Self-Employed Mortgage

If you are self-employed or working on a 1099 basis a mortgage may seem daunting. The good news is there are different kinds of lenders. Some lenders will take a cut-and-dry approach to making a loan. Either you meet their criteria or you are ineligible. Issues The...
Benefits of Home

Benefits of Home

The benefits of home ownership are many. Sometimes we overlook the rest of them as we focus on finding the “right” home. Taking the longer view, we can see additional benefits which will likely come into play years from now. Security Statistics show that...
Buy now or wait

Buy now or wait

One of the big decisions everyone faces is buy now or wait? The media is starting to trumpet the bursting of the bubble in home prices and the economy in general. How true this is will depend largely on where you are. Undoubtedly, there will be parts of the country...
Competing Effectively

Competing Effectively

Once you start your search for a home, you quickly discover the importance of competing effectively. Ask your realtor if there are many other buyers in the market. How quickly are homes selling in that neighborhood? Are they selling above asking price? By how much?...
Preparing For A Mortgage

Preparing For A Mortgage

Preparing for a mortgage depends on what you do for a living or, in some cases, where you are in life. Regardless of what you do for a living, too much debt will cause you problems when looking to finance a home. First steps So the first step is pay off your loans or...
Mortgage Solutions

Mortgage Solutions

Many would-be home buyers find obstacles to getting their loan and wish there were mortgage solutions. All they hear is “…[you] don’t meet the requirements for a mortgage”. What these lenders are really saying is you do not meet their...
Lock or Not

Lock or Not

The first significant step in buying a home involves a loan. Most likely, your first decision will be: Should you lock the interest rate. This lock or not decision can be pretty complicated. Rates If rates are very low, relative to just a few days or weeks ago, you...
Stay Or Go

Stay Or Go

Many home buyers, particularly young home buyers, come to ask themselves if they should stay or go. “Wouldn’t it be so much easier to move to some other part of the country where the cost of living is so much cheaper?”, they ask. Perhaps. Many who...
Credit History

Credit History

While you have probably heard of the importance of your credit score, you are less likely to have heard of your credit history. Credit history is exactly that, what you did with your credit over the years. While a lender may look at your credit score as a quick...
Mortgage Loans

Mortgage Loans

There are many types of mortgage loans, each with its own basic criteria that can be tightened by individual lenders. The four basic ones are: Conventional These are the loans most often quoted in the media. The media talks about the most common type of conventional...