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Guidelines for Calculating a Mortgage

If you’re in the market for a new home, you’ll first want to have an idea of what you can afford. There are many online mortgage tools to use but remember this is just an estimate. When you feel you’re ready to initiate the purchasing process you should obtain professional mortgage advice on your actual

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Home Equity Loan and Second Mortgage: What’s the Difference?

The terminology is confusing. A second mortgage is any loan that involves a second lien on the property. Some second mortgages are for a fixed dollar amount paid out at one time, in the same way as a first mortgage. As with firsts, such seconds may be fixed-rate or adjustable-rate. You will need to keep

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Energy Improvement Projects

According to energy experts, roughly 35 percent of heating and cooling is lost through your roof. Even more can escape through the walls, windows, doors, and from air leaks. Make your home energy-efficient with the basics, and the most important is the proper sealing of air leaks and insulating sufficiently for the weather in your

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Are you financially ready to buy a house?

A home is likely the single largest investment you will make in your lifetime. It has enormous potential to build up your wealth over time. But did you know that even in a relatively unpredictable market, you can purchase a home? If you adjust your thinking and your vision, you can almost always buy something

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What You Need to Know About Your Credit Score

Your credit score can seem very confusing. In a 2016 survey from the Consumer Federation of America (CFA) and VantageScore Solutions found that more than 80% of consumers know the basics of credit scores, but may not be aware of some very important details. Let’s take a look at what you need to know about

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Millennials and the Home Buying Experience

Totaling more than 80 million individuals, millennials represent the largest generation in the U.S. By 2025, they will claim three-quarters of all jobs. Also considered the best educated, 35% of 25 to 29-year-olds hold a degree, while at the same time carry some of the highest debt levels due to student loans and credit card

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