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CLOSING COSTS WHEN BUYING OR REFINANCING A HOME

This is a detailed summary of costs you may have to pay when you buy or refinance your home....
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DOCUMENTING YOUR ASSETS – VERIFYING YOUR DOWN PAYMENT

When buying a home, it is not enough to just come up with the money. With the exception of no...
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FICO® SCORE – A BRIEF EXPLANATION

When you apply for a mortgage loan, you expect your lender to pull a credit report and look at...
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FICO® SCORES AND YOUR MORTGAGE

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit...
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ITEMS YOU NEED WHEN APPLYING FOR A LOAN

Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out...
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LAND CONTRACT

An alternative to a non-conforming loan is the use of a land contract, which is allowed in...
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THE ADVANTAGES OF DIFFERENT TYPES OF MORTGAGE LENDERS

WHAT KIND OF LENDER IS BEST? If you ask a loan officer, “What kind of lender is best?” the...
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THE BIWEEKLY MORTGAGE – WHO NEEDS IT?

Have you received an advertisement offering to save you thousands of dollars on your...
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THE NO-COST THIRTY YEAR FIXED RATE MORTGAGE

There really is no such thing as a no-cost mortgage loan. There are always costs, such as...
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TYPES OF MORTGAGE LENDERS

MORTGAGE BANKERS Mortgage Bankers are lenders that are large enough to originate loans and...
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WHAT’S A FICO®?

WHAT IS A FICO® SCORE? FICO® stands for Fair Isaac & Company and is the name for the...
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WHERE DOES THE MONEY COME FROM FOR MORTGAGE LOANS?

In the olden days, when someone wanted a home loan they walked downtown to the neighborhood...
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