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Recent Articles

Apr
03
2014
When You're Not Ready for a Mortgage
You may think you're ready to get a mortgage - you've been reading up on mortgages, saving money, and working on your credit score.  However, due to a series of recent policy changes, the "ideal borrower" profile became seriously specific. Therefore, some of...
Apr
03
2014
Calculating the Costs Needed for Your First Home
If you're a first time homebuyer, you are probably eager to figure out exactly how much home you can afford.  When you are pre-approved, you will receive a general idea of that monetary range from your lender, but it's always a good idea to do some calculations on your own...
Mar
27
2014
Is the Subprime Mortgage Market Rebounding?
During the onset of the housing crisis, bad credit borrowers weren’t allowed to get close to obtaining a mortgage loan.  Now, a small number of lenders are once again offering subprime mortgages to borrowers with a credit score less than 640 - some will finanance loans in...
Mar
27
2014
Loans for Home Improvement
What is FHA 203k? The FHA 203k Loan is a subset of the FHA Loan that provides funds to be used for home improvement/renovation in addition to being a regular mortgage.  The FHA 203k loan allows people to have a home equity loan and a home loan all in one, instead of having to take...
Mar
26
2014
Could You Use a Second Home?
Why buy a second home? Homeowners enjoy the extra space and versatility a vacation home can offer, need to host dependents or family, or sometimes need to accommodate a consistent business travel schedule. Before you decide to apply for a second mortgage, educate yourself about the...
Mar
21
2014
What is an Assumable Mortgage?
Assumption of a mortgage loan is the transfer from the seller of a property to a buyer, who then takes over the mortgage payments on the seller’s pre-existing loan. When interest rates are high, loan assumption can provide homebuyers with access to lower interest rates...
Mar
20
2014
Buying a Home After Bankruptcy
After you experience bankruptcy, it might seem like you will never be able to qualify for a home purchase again.  You have low credit scores, a drained bank account and a low self-esteem.  However, even though you will have challenges, buying a home after bankruptcy is still...
Mar
20
2014
Buying an Investment Property
If you are looking for a great way to make a second source of income, you might want to look into buying an investment property.  If you do this, you will be able to increase your equity in two places of residence as opposed to just your primary place of residence. There are two...
Mar
14
2014
Homeowner Tax Breaks
Tax season is here. What can homeowners deduct from their filings? While it’s always best to consult with a tax professional, we have a list of the benefits some reap just for owning a home. Note that these are for a primary residence, as the IRS only allows you to declare one main...
Mar
12
2014
Is Now the Right Time to Buy a Home?
If you’re looking for a home right now, chances are that you’ve had doubts regarding whether or not this is the right time to buy.  Well, here are some factors that should convince you that it certainly is the time to buy a home right now: The job market is...
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