If your personal budget is similar to many other people’s budgets, your home mortgage payment is by far the largest expense that you pay for each month. In fact, this payment may easily account for 20 or 25 percent or more of your take-home income. Understandably, you may be focused on trying to pay this expense off early.
Suffering from Credit Problems? Understanding Mortgage Lenders and How They Assess Your Credit
One of the most significant factors a mortgage lender will review when you apply for a new mortgage loan is your credit history and rating. While some people have stellar credit, others have a troubled credit history with lower scores. If you fall into the latter scenario, you may be wondering how lenders will assess your credit situation when you apply for a mortgage in the near future.
The Mortgage Pre-approval Letter: Why It’s Important and How to Get One
While you may feel as though you have taken the preliminary steps necessary to prepare yourself to buy a home, it is important that you also get a mortgage pre-approval letter for your financing before you starting hunting for that perfect house or condo.
Four Ways That Being Diligent with Your Mortgage Payments Can Seriously Improve Your Credit
The unfortunate reality is that many individuals have a lower credit rating than they would like. For many, this is caused by issues related to high debt balances, late payments and other related issues.
Variable-Rate VS. Fixed-Rate Mortgages – Which Is Better For Your Financial Situation?
If you are thinking about applying for a mortgage, it is important that you consider all of the options carefully and that you understand the key differences between them. Let’s compare variable-rate and fixed-rate mortgages to see which might be the best in your situation.
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