• 3 Reasons Not To Deplete Your Savings Account When Buying A Home

    You have narrowed down your choices and settled on the house that you are fairly certain will be the perfect place for you to raise your family. You have even started working with a real estate lender to get a loan for the home you want, and you have an attractive amount of money in savings to use as a down payment. You are stoked to find out that the required down payment is far less than what you have in savings.
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  • Ready To Apply For Your First Mortgage? 3 Things You Need To Understand About The Mortgage Process

    When it comes to applying for your first mortgage, you need to do more than save up for a down payment. You need to have some basic understanding of the mortgage loan process so that you can navigate the approval process in the most effective manner possible and get a deal you can live with for the next few decades. Consider Shorter Loan Terms When people look into getting a home, most people automatically assume that the only option available to them is a typical thirty-year mortgage.
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  • Understanding The Bail Bond Process From Arrest To Release

    Do you know someone who was recently arrested? Is this the first time you have ever dealt with a situation like this? If so, you are likely feeling overwhelmed, especially if you are now being asked to take care of bail. Understanding how the bail bond process works can help you navigate without the stress and confusion. Processing  By the time your friend or family member reached out, they would have already gone through the processing phase.
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  • What To Consider About Balloon Mortgages

    Do you need a loan for a home that has a low interest rate and is short-term? If so, you may not want to get a traditional 30-year loan with a fixed APR. Balloon mortgages can be a great way to give you the money you need at the rate that you want. Here are some things to consider about balloon mortgages before you move forward with getting one. How Balloon Mortgages Work
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  • What To Do When A Friend Calls You For Help Getting Bailed Out Of Jail

    Getting a call late at night from a jail might be something you did not expect, and the purpose of the call is likely for help. If your friend is in jail and calls you, he or she is probably calling to ask you to help him or her get out of jail. Before you agree to this, there are several things you should analyze. Here are some of those things.
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  • 3 Tips For Getting The Best Mortgage Rates

    Buying a home will likely be one of the biggest financial decisions that you make during your lifetime. While some choose to pay in cash, most homeowners end up taking out a mortgage loan. There are a variety of options to choose from when it comes to taking out a home loan. Of course, when you are looking into home mortgage services one of the most important things to consider is the mortgage rate.
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  • 3 Things Mortgage Lenders Want To See On Your Credit Report

    Your next big investment will be in a new home. Your credit doesn't look too shabby to you, you have the income to make payments, and you have a stable employment history. You may assume that finding a mortgage loan will be easy to do. However, mortgage loans can be some of the biggest sums of money that consumers borrow, and creditors are not so quick to approve everyone who applies.
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  • How To Perform An Emergency Triage When Behind Your Bills

    Typically, you will want to pay all of your bills. Any bills you miss will cost you more money through fees and may also lead to your credit score being damaged. In the end, you may have debt collectors calling to recover damages. However, in an emergency situation, you may need to prioritize which bills you'll pay. Protect Your Income When you have an income, you must do whatever possible to keep the income stream flowing.
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  • Tips For Having Your Bail Bond Premium Reduced

    If you don't have the cash on hand to pay for bail, then you'll need to use a local bondsman to help cover the money that you need. This service does come at a cost, which you pay as a bail bond premium. It is usually based on a percentage of the amount of bail money needed, but there are some ways to lower how much you'll pay. Here are several things you can tell a bondsman to help reduce the bail bond premium.
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  • Understanding Where Your Mortgage Comes From When You Work With A Mortgage Broker

    Mortgage brokers are not like bankers. They do not have money of their own to lend. Instead, they get the mortgage money from other sources, and broker deals to get the funds. In order to understand where your mortgage comes from when you work with a mortgage broker, the following information is provided. Wholesale Lending ​Wholesale lenders are the ones that back and underwrite your mortgage loans. They may be private investors, or they may just be non-traditional lenders.
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