Thursday, September 8, 2022 / by Rick Devine
Sep 07, 2022 When you’re shopping for a mortgage, it can be tempting to just talk to the first person you meet, sign the loan documents, and be on your way. But before you do that, it’s actually pretty important that you ask what type of financial institution you’re dealing with, because they’re not all the same. Here’s a quick rundown of the main differences. Traditional Banks Traditional banks are exactly what you imagine when you think of banks. They’re big institutions that collect deposits, notarize things, and sell bonds to the public. With the funds from these activities, they also may lend their own money for the long term, or they may sell their loans to a secondary loan buyer like Fannie Mae to free up more cash. With a traditional bank, you’ll often get a pretty good deal when it comes to fees, since there are no middlemen to pay, and a competitive lending rate. However, if you’re looking for special homebuyer programs, you&rsq. ...
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Tuesday, February 23, 2021 / by Jessi Fauber
While you may have been ready to buy a home during the 2020 spring market, the uncertainties caused by the pandemic may have put a damper on your plans. At this point, you may be uncertain about your post-COVID-19 real estate goals and unsure whether the opportunity to work from home will inspire you to move to another market or another type of home.
If you’re looking to get ready for a home purchase a few months down the road, this plan will help ensure you’ve covered all your bases. From finance to logistics, it’s important to think through the changes on the horizon to streamline your 2021 home purchase.
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Preparing to finance your purchase
One of the first things you’ll want to think about is the financing for your home purchase. Talk to a real estate professional and ask for an introduction to a mortgage lender, if you don’t already have one in mind.
Talk to your lender about the pre-a ...
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Wednesday, January 20, 2021 / by Jessi Fauber
Buying your first home is equivalent to embarking on a grand adventure. Although extremely thrilling, learning the ins and outs of the process can often seem overwhelming. From determining a budget to obtaining a loan, there are numerous factors to take into consideration along the way. Keep these five tips in mind throughout the journey.
Check your credit score
Your credit score impacts various aspects of your life, especially when it comes to buying a house. It’s a determining factor in being approved for a loan with a low interest rate. Some websites offers free credit reports with monitoring, which can help you catch what may be negatively affecting your score. However, our mortgage brokers, through Movement Mortgage, explain your score in greater detail as well provide you with wasy to improve your credit score if need be!
Be realistic about what you can afford
When setting a budget, it’s important to be realistic. To keep your head out ...
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Friday, January 15, 2021 / by Jessi Fauber
Downloadable PDF Checklist for Your Home Maintenance
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