Deciphering the loan process

Many reasons can collectively contribute to why a mortgage application gets suspended or even denied. Here are some of the common pitfalls and how to avoid them when applying for a mortgage. Credit scores and utilizing your available credit Higher credit scores are very desirable because they will most often result in lower interest rates,
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Shopping around for a good mortgage

Shopping around for mortgages can be a daunting task. With paperwork aplenty and big words around, it’s no surprise that most people only want to go through the process once. It’s easy to by influenced by friends, family and colleagues  Rates  If you have been asking around about mortgages, you’ve probably heard conflicting messages; with
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Mortgage Rates Continue to Drop

Great news for anyone looking to refinance or purchase a home, the interest rate for a 30-year fixed mortgage has dropped to 4.41%, the lowest level in 10 months! Currently there is more inventories in the housing market which gives buyers a greater selection of homes and bargaining power than in the last couple of
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Making the greatest return from your home improvement

Last summer, building materials had prices spike dramatically. Those prices have kept going up this year which makes improving your home more expensive. As a result it’s become more difficult to predict your return on investment (ROI). Your home value will not increase dollar for dollar with the costs you spend on projects the majority
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Getting ready to buy a home

Buying a home is one of the most exciting and memorable moments in life. You get to decorate your own property and set down roots, all while gradually increasing your net worth. However, recently, there’s been a rise in people who aren’t prepared to buy a house. Or worse buying a house they can’t afford,
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