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Southern California Home Mortgage Articles

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Displaying 21 - 30 of 33
Things to Avoid During Your Home Purchase Things to Avoid During Your Home Purchase

By Martin O'Malley

Many new homebuyers make the mistake of rushing out to buy new things for their home soon after the seller says "yes" and the loan is approved. Keep in mind that until your keys are in hand, your lender is watching your accounts very closely. Here are some things to avoid before closing to assure your transaction goes smoothly.

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How To Improve Your Credit Score How To Improve Your Credit Score

By Martin O'Malley

It's virtually impossible to change your score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. So the short answer is, you really can't change your credit score "on the spot." But there are strategies you can live with to make sure that when you apply for a loan your score is as high as possible.

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We Found the Perfect Home... Now How Do We Pay For It? We Found the Perfect Home... Now How Do We Pay For It?

By Jeffrey Segal

Congratulations! You have found The One and are ready to make an offer. But hold on a minute... the seller and their realtor want to know that you are a "real" buyer. What does that mean? It means that you've been pre-approved by a lender. Now in reality, a pre-approval is not worth much, because a mortgage underwriter has not seen any documentation.

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Mortgage Basics for First-Time Homebuyers: The First Time is the Scariest Mortgage Basics for First-Time Homebuyers: The First Time is the Scariest

By Jeffrey Segal

"Should we do this?" "I don't know, what do you think?" "It's up to you. Do you think we should?" "Is it the right time?" Everyone knows what I'm talking about, right? Of course you do: is it the right time for you to begin house shopping? As a first time home buyer there is never a more exciting or frightening time of your life.

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Understanding Loans: An Interview with Frank Romano of Harbour Equity Partners Understanding Loans: An Interview with Frank Romano of Harbour Equity Partners

Harbour Equity Partners is a private equity fund. Our resources in investment banking and private banking make it possible for us to offer loans to high net worth borrowers. Harbour Equity Partners has seen the opportunity to help borrowers that do not conform with traditional lending options. Utilizing our private banking resources, Harbour Equity Partners will structure finance options that meet a borrower's end goal.

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Foreclosure 101 Foreclosure 101

A layperson's guide to foreclosure proceedings.

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Home Loan Insurance Coverage - How Safe Is The Borrower? Home Loan Insurance Coverage - How Safe Is The Borrower?

By Shane Gibbs

When a borrower takes out a home mortgage loan and fails to pay 20% of the loan amount as the down payment, he qualifies for paying the PMI or the Private Mortgage Insurance. This is a financial tool to reduce the risk of lenders from suffering a loss due to defaulted payments by the borrower.

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Reasons to Refinance Your Mortgage Reasons to Refinance Your Mortgage

By Derren Peters

Refinancing offers several different ways to bring down your payments and save you money. While weighing each option, keep the following in mind

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Pros and Cons of a Home Equity Loan Pros and Cons of a Home Equity Loan

By Derren Peters

Owning a home has plenty of benefits, from tax breaks to personal pride. One of the financial advantages for Texas homeowners is the ability to draw money from the equity built up in their property.

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Solving Credit Card Debt with your Home Equity Solving Credit Card Debt with your Home Equity

By Derren Peters

Feeling overwhelmed by debt is a stressful feeling, one that is, unfortunately, all too familiar for many Connecticut homeowners. Credit card debt is the most common culprit for many consumer debt woes.

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Displaying 21 - 30 of 33

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