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How to Conserve Energy During a Polar Vortex

Winters can get expensive when it comes to energy costs. The amount of energy required to heat your home increases when temperatures drop. The greater the difference between the temperature outside and the thermostat setting inside, the harder your heating system will work and the more energy it will use. This is true even if

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Making a Mortgage Plan

If you’re shopping for a new home, you can calculate the home price you can pay and the mortgage schedule you will need based on the payment, down payment, taxes, and insurance you can afford. Fixed-rate mortgage Keeping the loan for the full loan term, such as 30 years, and making all of your payments

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What does the government shutdown mean for my mortgage?

When the government shuts down, who gets hit hardest among people needing a home mortgage? The latest version of federal breakdown made one fact painfully clear: It all depends on the type of loan you’re shopping for, or already had in progress. For many borrowers a VA (Department of Veterans Affairs) mortgage or FHA (Federal

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How to Save Thousands on Your Mortgage

Do you hate the thought of paying hundreds of thousands of dollars in interest on a mortgage loan? When you make a mortgage payment, a portion of that money goes toward the principal amount of your loan, and the other part goes toward interest. During the early years of your mortgage, your payments will primarily

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Hidden Costs of Home Ownership

To determine what they can afford, buyers too often focus on mortgage payment or a home’s list price alone. Non-mortgage related costs associated with homeownership can affect the monthly bottom line, if you’re not prepared. Let’s take a look at some of the hidden costs of home ownership. Property taxes If you’re only plugging in

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How to Become a Homeowner in Florida

If you’ve ever wanted to buy a house in Florida, you’ll need to go through a lot of steps. In this article, we provide an overview of how to become a homeowner in Florida. Budget You need to know exactly how much home you can afford before you begin your home search. The mortgage payment

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