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Should I Pay Mortgage Points?

Wednesday, 18 July 2018 by Stephanie Weeks
If you are buying a home or refinancing, you have probably heard about “mortgage points.” This form of pre-paid interest can save you thousands of dollars over the course of your loan but in many circumstances is not worth the upfront cost. How do you know whether to pay points or not? Here’s a quick
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  • Published in Advice, buying a home, Checking rates, Closing, home loan, home loan, home mortgage, Home Ownership, Home Purchase, Lender, loan, long-term goals, mortgage, mortgage payment
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Why the New Construction Market is Gaining Strength

Tuesday, 23 April 2013 by Stephanie Weeks
In the years following the local housing rush which followed Hurricane Katrina, many home builders have lived through a dramatic slowdown in St. Tammany new construction market. Some experts attribute this to the rapid influx of post-Katrina new residents, and others to the general slowdown in the housing market which has affected the rest of
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  • Published in Advice, buying a home, Checking rates, home loan, home loan, Home Location, home mortgage, Home Ownership, Home Prices, Home Purchase, Lender, loan, long-term goals, Mortgage, mortgage, Purchasing a home
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Pros and Cons to Debt Consolidation Loans

Thursday, 28 February 2013 by Stephanie Weeks
Debt consolidation is the act of refinancing your home, or taking out a 2nd mortgage, to pay off several smaller loans including retail or consumer loans that may not be tied to your home. It’s a way to help people gain control of their finances; instead of having all types of loans with various interest
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  • Published in Advice, Credit, home loan, loan, long-term goals, refinance
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Will a Mortgage Calculator Tell Me what I Can Afford?

Tuesday, 19 July 2011 by Stephanie Weeks
A mortgage calculator is a handy tool, but it cannot replace a mortgage professional. A mortgage calculator can give you a ballpark figure for what you can afford, however, based on your income and, depending upon how sophisticated the calculator is, the local tax rates and the cost of homeowner’s insurance for the properties you’re
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  • Published in Advice, Checking rates, Lender, Mortgage, Tips
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Can You Refinance a Home Mortgage into One Name?

Tuesday, 12 July 2011 by Stephanie Weeks
As mortgage lenders, one question we are often asked is whether or not you can refinance a home mortgage into just one person’s name.  There are some cases where you may want to have your mortgage debt in one name only. This can be done, but it will depend upon a couple of things: Credit
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  • Published in Advice, Mortgage, Refinancing, Tips
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Finding a Mortgage Broker who specializes in Less Than Perfect Credit Mortgages

Tuesday, 28 June 2011 by Stephanie Weeks
In days past, if you had a less than perfect credit rating it usually meant that someone was irresponsible or simply unethical in how they handled debt. Today, many hard working people have less than perfect credit due to a number of reasons not all of which are under their control. At the same time,
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  • Published in Advice, Lender, Mortgage, Tips
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What are the Benefits of Cash Out Refinancing?

Tuesday, 21 June 2011 by Stephanie Weeks
Cash out refinancing is a way that you can borrow money against the investment you have in your home by refinancing more than the balance you owe on your home mortgage. It’s important to remember that this is, in fact, a loan. It’s not a profit that you’re making off of your home and is
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  • Published in Advice, Refinancing, Tips
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How Much Mortgage Can I Afford?

Tuesday, 14 June 2011 by Stephanie Weeks
Calculating how much you can afford on a home mortgage is a lot more complex than calculating how much you can afford in rent. In the latter case, a third of your income is usually a good measure for the most you want to pay in rent. Where a mortgage is concerned, you have to
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  • Published in Advice, Home Prices, Mortgage, Tips
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Can you Sell Your House and Retain a Prior Mortgage?

Tuesday, 07 June 2011 by Stephanie Weeks
There are some situations where you may be able to sell off your property and still retain the mortgage. There are also situations where you may end up with more than one mortgage at a time. Obviously, this latter situation is one that you won’t want to endure for long, unless you’re a property investor.
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  • Published in Home Ownership, Mortgage, Tips
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