30 Jul 2020
By noelkelman

Why Now Is A Great Time To Apply For A Home Loan

Mortgage, ,
The idea of owning a home is enough to bring joy to nearly anyone’s eyes. The reality is that many people are a bit skeptical about looking for a home in the present climate. While the pandemic can make it hard for people to go outside and explore, now is still a great time to apply for a home loan. This is a great opportunity for people to fulfill their homeownership dreams. There are a few reasons why now is a great time to look for a home. The Property Prices Are Low First, property prices are low right now.…
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28 Jul 2020
By noelkelman

Activities To Do Outside While Adhering Social Distancing

Mortgage, ,
The era of social distancing has impacted everyone and this has left people wondering how they are going to maintain control over their sanity. The positive news is that social distancing doesn’t mean that people have to stay inside at all times. There are still ways to go outside and remain socially distant. Check out a few fun activities that people can do together while still social distancing. Take A Trip To A Local State Park One of the great ideas that people should try this summer involves taking a trip to a local state park. While a lot of…
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17 Jul 2020
By noelkelman

Get Your Finances In Order With A Few Simple Steps

Mortgage, ,
If you are looking to buy a home one day but don’t think you are ready just yet, you are not alone. One of the most important tasks that you have to complete involves getting your finances in order. There are a few ways to get your finances in order before you buy, no matter how long you have been waiting to buy a home. Getting your finances in order with these simple steps can help you become a more competitive applicant both for a mortgage and a home that is on the market. Focus On Your Credit Score While…
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26 Jun 2020
By noelkelman

The Ultimate Guide To Hard Money Loans

Mortgage, ,
There are multiple types of loans out there and one of the easiest to get is called a hard money loan. On the other hand, it is also important for people to avoid being lured in by an attractive loan offer because it might be expensive. When it comes to a hard money loan, there are a few important points that people should note. These can be an essential tool for investors. What Is A Hard Money Loan? As a rule of thumb, most people look at a hard money loan as a tool of last resort. This is usually…
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25 Jun 2020
By noelkelman

A Guide To Everything Regarding Instant Pre Approved Home Loans

Mortgage, ,
There are many people who set buying a home as one of their major life goals. There is a lot that comes with owning a home including a major investment opportunity, a sense of stability, and a feeling of pride; however, homes are also expensive. It can be challenging to find a home loan. A traditional mortgage requires a thorough credit check and could take a long time to get approved. Some people might not even qualify. On the other hand, there is also a helpful alternative called an instant pre-approved home loan. There are a few important points that…
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24 Jun 2020
By noelkelman

Target The Lowest Borrowing Costs Possible When Applying For A Mortgage

Mortgage, ,
When someone is applying for a mortgage, it is important to consider the other costs that go along with taking out this type of loan. While many people focus on the down payment, the size of the loan, and the interest rate, there are other costs that might go along with taking out a mortgage. These hidden fees are sometimes referred to as "nickels and dimes" that the lender tacks on to the loan to try to make some extra money. When compared to the size of the loan, many borrowers shrug this off because the loan is so big; however,…
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23 Jun 2020
By noelkelman

What Is Mortgage Insurance?

Mortgage, ,
When it comes to putting a down payment on a house, most lenders are going to ask for 20 percent; however, some lenders will be willing to accept a smaller down payment in exchange for something else. That something else is usually mortgage insurance. If a lender says they are asking for mortgage insurance, which is also shortened to PMI, it is important for everyone to know what this means. An Overview Of PMI PMI stands for private mortgage insurance and is usually required if the borrower is putting down less than 20 percent. The lender will usually go out…
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18 Jun 2020
By noelkelman

Should You Buy A Home Warranty?

Mortgage, ,
When you buy a new house, the first thing you want to do is protect your investment. You already have property insurance. Should you also buy a home warranty? What Is A Home Warranty? A home warranty is not the same thing as insurance. Home warranties are service contracts. If a covered item breaks down and it is covered in the terms of the warranty, the home warranty company will pay to fix or replace that item. What is Covered Under A Home Warranty? Every home warranty contract is different but generally, a home warranty may cover items like major kitchen appliances,…
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