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Category: Understanding Mortgages

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Understanding Mortgages

Get A Mortgage After Retirement | How To Qualify 2022

January 27, 2022

Can you get a mortgage if you’re retired, even though you no longer receive a regular paycheck? The good news: Yes, you can. Though, qualifying for a mortgage with retirement […]

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Senior Citizens Can Be Successful at Getting Mortgages

FHA Loans · Understanding Mortgages

Senior Citizens Can Be Successful at Getting Mortgages

January 18, 2022

A couple in their mid-70s just recently purchased a home and got a mortgage to move closer to their children and grandchildren. They decided on Home Equity Conversion Mortgages (HECM) […]

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Buy a Home for an Elderly Parent and Get Lower Interest Rates

Conventional Loans · Home Buying · Understanding Mortgages

Fannie Mae Family Opportunity Mortgage | 2022 Guidelines

January 18, 2022

You can buy a house for an elderly parent and get better interest rates by classifying it as “owner occupied.” The Family Opportunity Mortgage is a great way to help aging parents.

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Picking between an ARM loan or fixed-rate mortgage

Conventional Loans · Understanding Mortgages

What Is The Difference Between Adjustable-Rate And Fixed-Rate Mortgages?

November 22, 2021

Comparing fixed-rate and adjustable-rate mortgages Most home shoppers choose fixed-rate mortgages without much thought about adjustable-rate mortgages. But you may be surprised to learn both types of mortgages have advantages. […]

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Borrowing from a 401k or IRA

Home Buying · Understanding Mortgages

Borrow From Your 401k to Buy A Home

July 7, 2021

Saving up money for a down payment and closing costs to buy a house is one of the basic requirements in order to qualify for a home loan. It can […]

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How does a second mortgage work

Understanding Mortgages

Second Mortgages: The Complete Guide

July 7, 2021

With a second mortgage, a homeowner can borrow at a very low interest rate, using his or her equity in the home as security.

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Father greeting son at front door

Home Buying · Understanding Mortgages

Permanent vs Non-Permanent Resident Alien Mortgage Options

June 18, 2021

Residents with green cards and work visas can qualify for a U.S. mortgage even if they are not U.S. citizens. In fact, these home buyers can qualify for government-backed and -sponsored […]

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What Can A Credit Score in the 800s Get You in the Mortgage World

Understanding Mortgages

What mortgage rate can you get with an 800 credit score?

May 20, 2021

FICO scores range from 300-850 — so getting in the 800s can be a feat. Fortunately, there are benefits to having a higher credit score. A high credit score makes […]

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Whats the difference between interest rate and APR

Understanding Mortgages

What’s the difference between interest rate and APR?

May 19, 2021

What’s the difference between interest rate and APR? The interest rate is the amount a lender charges you for a loan, expressed as a percentage of the total loan amount. […]

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first time home buyer guide to usda loans

Home Buying · Understanding Mortgages · USDA Home Loans

USDA Loan: First Time Home Buyer’s Guide

April 6, 2021

First Time Home Buyer’s Guide to USDA Loans First-time home buyers may find the most challenging part of buying a home is coming up with the down payment. But many […]

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