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Tips:  How Newlyweds can Become Homeowners

Engaged couples often dream of starting married life in their very own home. However, paying for that “love nest” is easier said than done-that is, unless you follow these easy tips for newlyweds.

Get your Finances in Order

The busyness involved in wedding planning can leave you with little time to assess your financial situation. Even so, it is important for you and your fiancé to sit down together and determine your financial health as a couple. Remember that if one of you has credit problems now, both of you will once you tie the knot. Review your individual credit histories and then take the necessary action to correct any deficiencies you find.

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Is a Lifetime Mortgage a Possibility?

At one time, a 30-year fixed rate mortgage was standard. This meant that buyers who purchased at a young age would one day become mortgage free. That scenario is far from the norm these days, leaving many people essentially paying on a home loan for life. What is driving the trend, and will a lifetime mortgage one day become the new normal? Here’s what you need to know.

Trend Toward Older Home Buyers

Those nearing retirement age are not necessarily finished with home buying. Many in their 50s, 60s, and even 70s are taking out a mortgage these days. A good number are even first-time homebuyers with no existing equity to use toward their down payment.

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How Hurricanes Hurt the Mortgage Industry

You already know how much damage a hurricane can cause. What you may not realize is that the damage is not just limited to physical structures, as the economy and even the mortgage industry can be affected. Here are a few ways in which recent hurricanes might negatively affect mortgages.

Increase in Delinquencies

Black Knight Financial Services claim that as many as 300,000 Texas families could become delinquent on their mortgages due to Hurricane Harvey. They have not yet assessed the impact of Hurricane Irma, but expect thousands of delinquencies in Florida as well.

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How does the Greater Philadelphia’s Real Estate Industry Look Like?

Philadelphia has traditionally had a very robust housing market. Right now, many experts are claiming that Philadelphia’s housing market is “red hot.” A number of things are driving this trend, which is subject to change at any time.

Strong Rebound from Housing Slump

Philadelphia’s housing market hit its lowest point in the first quarter of 2012. Since that time, housing prices have risen an estimated 45 percent according to The Philadelphia Inquirer. 2017 has been an especially good year, with housing prices showing an 11.8 percent increase year-over-year. In addition, first quarter gains were the highest since 1980.

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Why Using one of the Online All Digital Mortgage Methods Rather than a Professional Banker is Not a Good Idea

More and more financial services are being offered online these days. One that has recently seen a surge in popularity is digital mortgages. Although online home loans are convenient, there is an inherent risk involved. Here are just a few reasons why an Internet broker (or E-Broker) might not be best.

Not Really Applying

Many people believe that by filling out a mortgage application online, they are actually applying for a loan. That’s not necessarily the case, as you could be entering your information into a database instead. From there, your data might be disseminated to an unlimited number of companies, who would then begin flooding you with offers that may or may not be legitimate.

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