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How Much Home Can You Afford? This is one of the top questions home buyers have. Having said that, it may be the incorrect question in terms of your finances. Rather than trying to afford the highest home price a lender tells you, it may be better to figure out the maximum monthly payment you…
Qualify for a Mortgage With a Non-Occupying Co-Borrower
Sometimes a little assistance is needed to get started in life when you don’t qualify on your own for a car or a home loan. The solution many use to get a co-signer. A cosigner, essentially a co-borrower, is someone who signs a legally binding agreement to repay the loan based on a number of…
Overall higher interest rates will not impact homeowners too much with just a .25% increase. This should comfort existing homeowners who monitor their equity along with prospective home buyers nervous about their new purchase. The Federal Reserves’ short-term interest rates have been at zero going back to December 2008. The moment the Fed truly…
4 Different Practical Ways to Find Out How Much House You Can Afford
Buying a house for yourself or family is always a time to be very alert throughout the process and to know what is expected for all parties involved. Before making an offer on a home to buy, you need to be sure of how much you can “afford”. Your local mortgage lender should able to…
Mortgage Approval Or Prequalification When Buying A Home
The old saying that goes ” A person’s home is their castle” is just as true now as it was a long time ago. That is why even though buying a home is one of the largest investments that most people will make in their lifetimes, most Americans who rent their accommodations would still like…
Which 3 Percent Down Mortgage Program is Best: FHA or Conventional 97?
On January 8, 2015, President Obama reported there will be a reduction in the FHA annual mortgage insurance premiums (MIP). Following that announcement, the National Association of Realtors (NAR) predicts that a reduction in the yearly MIP .50 to .85 percent will make it possible for a good number of first-time home buyers and get…
Are Home Prices in the U.S. Undervalued or Overvalued?
Reports show home prices on the national level are 3% undervalued! Many metropolitan areas around the country have seen large price gains in residential home prices since the financial crisis lows set back in 2009 to 2011. That being said, are we once again in the formation stage of a new real estate bubble as…
If you are wondering when is the right time to get a mortgage you are probably focusing on when you should start shopping for homes. You may be surprised that picking the right time to apply can save you a lot on the interest rate you are offered. Mortgage lenders are more lenient with fees…