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Loans and Closings

5 Tips for Improving Your Credit

DAILY REAL ESTATE NEWS | FRIDAY, DECEMBER 20, 2013 No credit or a bad credit score can be an obstacle to home buying, but here is some valuable advice to help you improve your finances.  Al Goldstein, CEO of Pangea Properties in Chicago, has these five tips which will help you take control of your…

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Form Letter to Get the Lowest Bid

Dear Contractor,  As you can see, money is tight and we want to get the best bang for our buck. In order to achieve this we respectfully request that you follow these guidelines as you assemble your estimate:  Please use the cheapest materials you can find. They can even be used or leftover  from other jobs…

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Alternative Ways to Come Up With the Down Payment on a Home

To successfully purchase a home today, you will need a down payment of at least 3.5 percent of the purchase price. Gone are the days of no down payment alternatives, down payment assistance and seller-offered programs to come up with the money needed to buy a home. Instead, let’s look at the five ways you can come up with…

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Mortgage Applications Rise as Rates Dip

Applications for mortgages jump 1.3% as borrowing costs ease a tad, making homes more affordable and decision to refinance easier. NEW YORK — A dip in mortgage rates gave Americans a good reason to take out home-related loans last week, as applications for mortgages jumped 1.3%, according to the Mortgage Bankers Association. The jump in…

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VA financing for military veterans – a great opportunity

Did you know there are more than 27 million veterans eligible for VA financing? These potential home buyers enjoy significant loan advantages not available to non-veteran homebuyers. If you’re working with prospective home buyers right now, check with them to see if they are veterans. If they are, make sure they are aware of the…

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Your credit score affects the cost of your mortgage loan

Purchasing a home can be the most rewarding financial transaction of your life. However, one aspect of the home buying process that’s often overlooked is the impact your credit score has on the interest rate you’ll pay on your mortgage loan. A lower credit score will require you to pay thousands of extra dollars over…

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Home Ownership is Still a Great Investment

Seventy-five percent of Americans say that “owning a home is the best long-term investment they can make and is worth the risk of ups and downs in the housing market,” according to a new survey of 2,000 bipartisan voters by the National Association of Home Builders. Despite their situation – whether underwater on their home…

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81 percent still think home is best investment

Published on Housing Zone ( Byline: Jonathan Sweet, Editor in Chief Publication Date: Wed, 2011-04-13 10:27 Despite the housing bubble and subsequent crash, more than 80 percent of remodelers still think buying a home is the best long-term investment a person can make. That’s according to a recent Pew Research Center study [1], which found…

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The Not-So-Obvious Benefits of Buying New

Prospective home buyers have the choice of two types of houses on the market: resale or new. Home buyers planning to buy a brand-new house or condominium often cite energy-efficiency, open layout, a warranty, and being able to select appliances, flooring, paint colors and other design elements as factors driving their choice. But builders say…

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Hearing on Buried in Paperwork: A 1099 Update

On February 9th, 2011, Mike Kegley on behalf of the 160,000 members of the National Association of Homes Builders, testified in front of the Small Business Committee of the U S House of Representatives. The witness list, his oral and written presentation as to the costs of the new 1099 reporting requirements included as part…

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