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Ways to Know you Can Trust your Mortgage Office

Taking out a home loan is a big deal, as you will be tied to your mortgage for quite some time. You only have one chance to get it right, which is why finding the perfect broker is so important. How do you know if you can trust your mortgage office? Here are some things to look for.

Mortgage Brokers

When applying for a loan, you have two options: a mortgage broker or a lender. A mortgage broker is someone who “shops” various financial institutions to find rates and terms that are most favorable for you. By using a mortgage broker, you can avoid a great deal of comparison shopping; however, you will want to know answers to the following questions:

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Rates are Down-Now is the Time to Buy

Have you been tossing around the idea of buying property but didn’t know whether or not the time was right? If so, you may want to stop thinking about things and take action. Recent dips in the interest rate mean that now is the ideal time to purchase that home you have always been dreaming of.

Recent Rate Decrease

Industry experts note that the average mortgage rate recently fell on 30 and 15-year fixed loans, as well as on 5/1 Adjustable Rate Mortgages or ARMs. As of early June 2017, the average rates were:

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5 Reasons to Stop Renting and Start Buying

Renting your own place is considered a rite of passage-after all, few people can afford to purchase a home as soon as they reach adulthood. Even so, many become stuck in a rut and continue renting year after year despite having established themselves. If you are one of them, here are five reasons you should cut ties with your landlord and consider homeownership.

#1. You can Save Money

Believe it or not, purchasing a home could actually save you money, even after factoring in expenses such as tools, maintenance, and lawn equipment. With today’s low interest rates, mortgage payments are often lower than the average rent cost in a given area. Buying a home will also provide you one other financial advantage-the ability to write off interest and other expenses on your taxes every year.

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Some Things to Understand before Applying for a Mortgage

Many times, the reason people are denied for a mortgage is because they did not do their homework first. To increase your odds of obtaining a loan (and ensure you are offered terms that are as favorable as possible), it is important to understand the following items and how they work.

You must have your personal documents in order

Documentation varies from one lender to the next, but at a minimum you will probably need at least one month’s worth of pay stubs as well as your tax returns for the past two years. Bank statements for the past quarter in addition to documentation concerning any large deposits or withdrawals should also be included.

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Insider Mortgage Info that can Help the Homeowner

Not only is your home your biggest asset, but it is also your most expensive one. Over the course of a 30-year mortgage, the average person winds up paying 2.5 times the purchase price of their home just in interest alone. That doesn’t mean there are not ways to reduce the amount of interest you pay. The following information will help you eliminate your mortgage sooner and put more interest money into your bank account.

Refinance to a Shorter Term

Refinancing to take advantage of a lower interest rate is a smart idea. However, if you reset your term, any savings you do realize could be negated. For example, if you have already been paying on a 30-year mortgage for eight years and refinance for another 30-year term, you have essentially started over, just with a lower interest rate.

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