home buying
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Budgeting
Renting an Apartment: How to Plan Your Budget
Even though you may have created a budget for your new apartment, it can be difficult to actually stick to it. One of the best ways to stay within your budget when renting an apartment is to do all of the budgeting before you sign those papers that puts the apartment in your name. Below are some of the best…
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Home Buying
Does the Low PennyMac Payment Make This Mortgage Worth It?
Unemployment is currently at historically low levels, and the US economy is performing very strongly. Because of this, many analysts and aspiring homeowners expect the housing market to pick up, even more so after the Federal Reserve recently cut interest levels. Is this a good time to buy? The Bank of America mortgage rates, as an example, are notably going…
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Homeowners
Choosing a Homeowners Insurance that’s Right For You
Homeowners insurance is one of the best ways to protect you and your family in case of any unexpected occurrences – fire, earthquakes, tornadoes, and hurricanes to name a few. The price of your home insurance will depend on a few factors such as the age of the house, your state, and the probability of environmental factors occurring. Choosing a…
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Home Buying
Surprise! 6 Extra First Time Home Buyer Expenses You Might Not Know About
First time home buying comes with a lot of preparation. There’s way more to buying a home than simply saving up enough money for a down payment and getting approval for a mortgage loan. If you’re a first-time home buyer, you might be surprised to find out just how many out of pocket expenses there are when you buy a…
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Home Buying
What You Should Consider When Buying Your First House
It may come as no surprise that there’s a lot to consider when you buy your first house – finances, where you want to live in the neighborhood, mortgage loans. But your house is where you’re going to spend a lot of your time, so you want it to be as comfortable as possible. Which is why there’s a lot…
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Home Buying
Buying a Home: What Actually Happens on Completion Day
The hard part of buying a house is finally over – you’ve completed all of the paperwork, went through all of the motions to get a mortgage loan, and made your down payment. Completion day came faster than you expected, and now it’s time for you to pick up your house keys! In order to have a smooth and hassle…
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Loans
Cash Out Refinancing Strategy
Searching for extra cash to take a vacation, invest with, or make home improvements can create nerves. Being too eager to take cash from your assets could put you in a vulnerable position. If you own a home and have some equity in the property, creative refinancing strategies exist that could be preferable to personal loans or credit card usage.…
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Budgeting
Retirement: Which State Should You Move To?
Every year, a large number of retirees move to another state. During 2018, almost half of them (43%) relocated to New Mexico. After that, Florida (39%) and Arizona (37%) are the second and third most popular destinations, respectively. Snowier locations, such as Idaho and Vermont, are also amongst the ten best states to retire in (or at least according to…
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Home Buying
Why You Should Consider the First-Time Home Buyer Loan
During the last decade and a half, homeownership in the US steadily declined. In fact, from 2014 onwards, the percentage of Americans who own a house remained at its lowest levels since 1995. Because of this, many people are considering a first-time home buyer loan. The US economy is very strong. Unemployment is low, stocks keep reaching record heights, and…
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Home Buying
A Guide for First Time Home Buying
With buying your home comes a whirlwind of emotions – excitement, stress, and anxiety to name a few. You may be wondering what your first step should be when buying a home, where you should start looking, or how you should budget your finances so you’re financially stable before making the final decision. We’ve come up with a quick guide…
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