Consumer Protection
Consumer protection is a key element of the mortgage process. Here you’ll find out which organizations are available to you and how they serve your interests. In addition to that, we’ll discuss how consumer protection plays a role in the
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Fannie Mae Loans
Do you own a home, or are you planning on buying one? If so, chances are you’ve heard about Fannie Mae home loans. Fannie Mae is one of the most prominent players in the home loan marketplace. In 2022, Fannie
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California Department Of Real Estate
The California Department of Real Estate, or the California DRE, provides real estate licensing to real estate agents in the state of California. Additionally, the California DRE regulates real estate law and licensees in the state. Are you a California
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Raise Your Credit Score Fast
There are three ways you can raise your credit score fast to get a lower mortgage rate. The first two ways aim to address consumers who might not have traditional credit (e.g., credit cards, car loans, etc.) to show their
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Key Mortgage Terms You Should Know
Loan Application, Debt-To-Income ratio (DTI), and Closing Disclosure are some of the key mortgage terms homebuyers and homeowners should know. Whether a purchase or refinance transaction, it’s essential to understand the key mortgage terms used during the loan process. A
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Traditional Vs. Non-Traditional Credit
Lenders will consider two broad types of credit history when underwriting a new mortgage application: traditional and non-traditional. Whether you are refinancing a current mortgage or purchasing a home, your mortgage lender will review your credit history. Most people know
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Top Ten Relocation Mistakes
Moving is difficult enough when things go smoothly. Here are our top ten relocation mistakes. Relocating to a new city or state can be a little scary. Relocation can be easier if you follow some simple steps. But as everyone
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Direct Lender Vs. Mortgage Broker
Choosing the right mortgage company to work with is an important step in the mortgage process. Direct Lenders and Mortgage Brokers provide a valuable service, and both provide benefits to the consumer. Understanding what to look for and asking the
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The Fed And Mortgage Rates
The Fed does not set mortgage rates, but it does influence the market where most mortgage rates originate, which is the Mortgage-Backed Securities (MBS) market. MBS, and ultimately mortgage rates, are also impacted by specific economic reports (domestic and international),
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Learn About Pre-Payment Penalties
When you buy a home or refinance a current mortgage, you’ll always want to ask your loan officer if your new mortgage has a pre-payment penalty. In fact, it should be one of the first questions you ask when shopping
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