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Are You Ready for a Mortgage?

Buying your first home usually means getting a mortgage. But are you ready for that responsibility? Not everyone is, and there are definitely some things that you should ask yourself before you decide that you are going to get a mortgage and commit to all that entails. Read on to learn more about the kinds of issues you should be giving thought to if you’re thinking of getting a mortgage

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Health IQ – Mortgage Insurance Vs Life Insurance

Buying a home is the culmination of a lifetime of dreams for couples looking to start a family or put down roots in a neighborhood they want to call home. It’s also the most expensive purchase they’ll make in their lifetime. And the mortgage needs to be paid every month if the couple wants to maintain the roof over their head. In turn, this creates a unique stress in the

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Is It Too Late For You To Get A Mortgage?

  Image source There is no ideal age to get a mortgage. Everyone has to choose what is best for them in accordance with the lifestyle choices that they have made and their financial situation. If you spent your twenties traveling the world earning just enough to live on as you went, this was clearly not the right time for you to get a mortgage! However, if you were settled

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Gunning For A Mortgage? Increase Your Credit Rating!

Getting a mortgage is a big deal but not just anyone can have one. There is a stringent checking and vetting process and they need to know you have handled your money well in the past. The check on your credit is a part of the process as they need to see that you have the credit available and that you can properly manage it. As such, it is wise

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Your Guide To Buying Your First Real Estate

Buying your first property is one of the major milestones in life. In theory, it sounds pretty simple, you like a house and you buy it. There’s basically nothing wrong with that, but in reality, things might turn out to be a bit more complicated, and buyers can make some costly mistakes along the way. It is important to be well prepared and know exactly what you want and decide

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Budgets Work No Matter What Your Financial Situation

It doesn’t take much to accumulate a lot of debt. A short period of struggling due to the loss of a job or overtime, health problems, or a new baby is all it takes to deplete your extra money. And, once you get beyond your comfort zone with your monthly expenses, it can become challenging to make your payments on time. The good news is that creating a budget will

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What to Consider when Purchasing a New Home

Buying a new home can be daunting for many people. It is such a big investment that it can cause a lot of stress for those who are planning to move. The process of finding a suitable home can be a real challenge, but knowing what to look for can make the process much easier. It is important to dedicate some time and effort into doing your research, as the

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Important Factors to Consider When Purchasing a Home

A home represents the largest investment most people will make in their lifetimes. As such, buying a house is not something that should be approached lightly. No matter how excited you are to make the jump from renter to homeowner, there are a number of things that must be taken into account before you start signing paperwork. To ensure that you make an informed, well-reasoned decision when the time comes

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4 Ways To Use Credit Card Powers To Your Advantage

There are two types of people who use credit cards. People who possess consistent financial discipline and use the powers of their credit card(s) to their advantage. The other pool of people are those who use the credit card as infinite no obligation money, until they receive a bill through the post and hefty interest charges attached as a result of their lackadaisical spending. Credit cards could be your best

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Knowing Your Rights When Dealing With Major Debt

The majority of us have debt of some sort or another. Whether this is due to taking out a student loan to fund our education, taking out a mortgage, taking out a finance plan to secure ourselves a new or trustworthy vehicle, or taking out loans and using credit cards. Having debt can be a normal part of your life and doesn’t necessarily have to be a source of stress,

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