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 Three Rules You Can Break When Refinancing Your Mortgage

Before making any major decision in life, it’s important to understand the rules that go along with it. Refinancing is no different. But sometimes, knowing which rules you don’t really need to follow can help you have the best results. So forget what you’ve been told: here are the rules you can break when refinancing your mortgage.   Save At Least 1% You don’t need to save at least 1% on your interest rate for refinancing to be worth it. Lowering that percentage even just a little bit will help put money back in your pocket. It all depends on...
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How To Get A St. Louis VA Loan in Four Simple Steps

Those who have made the ultimate sacrifice for our country deserve the opportunity to live in a home they’ve always dreamed of. That’s why we’re committed to providing competitive VA loans to veterans. The best part? It’s typically easier to qualify for VA loans than conventional mortgages, and with help from our expert loan consultants, we’ll make the process even easier. If you’re interested in a VA Loan in the St. Louis area, just check out the four-step process below.   Pre-qualification and Pre-approval Getting prequalified and approved is a simple but incredibly important step in the process. Pre-approval typically involves providing...
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How To Buy A Home In Six Simple Steps

Buying a home can be a pretty complicated process. And rightfully so – it’s a pretty major investment, no matter what or where you’re buying. But don’t let yourself get overwhelmed. Following these six steps below is a good way to wrap your head around what’s going to be a long, expensive and ultimately rewarding process. 1. Improve your credit score. Unless you’re flush with cash, you’ll most likely be getting a mortgage to help pay for your house. And to get a mortgage best suited for your needs, you’ll want to have the highest possible credit score. You can...
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5 Easy Mortgage Mistakes And How To Avoid Them

Even for the most financially sound people, maintaining a mortgage isn’t always easy. With such a significant amount of money on the line, keeping your mistakes to a minimum is more important than ever. However, even though some mortgage mistakes are easy to make, they’re almost just as easy to avoid. Follow this helpful guide below to ensure your mortgage stays in the best possible shape. Not Paying Attention to Credit Reports Sure, they’re not the most entertaining things to read. But not knowing the numbers on your credit report – and more importantly, not knowing what those numbers mean...
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Everything You Need To Know About Getting A Loan With Bad Credit

Credit scores have a reputation for being rather complicated and frustrating. Whether or not you understand the details of how they work, it’s important to understand that credit scores determine your ability to take out loans. A bad credit score can prevent you from making important financial decisions. But before you have to worry about getting a loan in St. Louis with bad credit, let’s focus on the steps for establishing good credit.     It’s important to remember that ending up with bad credit is easier than you think. Just a couple months of missed payments can put your...
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The 7 Steps Of The Mortgage Approval Process: From Application To Closing

While it can be said that lenders have varied criteria regarding their approval or denial of loans, there are common threads between each. We’ve compiled a handy list of actions and things to be aware of during your mortgage approval process. Gather Documentation – Before applying for any type of mortgage loan, you can save time by gathering the necessary documentation beforehand. Any lending institution will have a list of required documents on their website, or they’ll have a toll-free number to call. It also helps to have a head start on documents that require some shipping or clerical work to...
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Five Foolproof Tips To Pay Off Mortgage Early

What Happens After You’ve Signed The Dotted Line?   So you finally did it – you got the loan you needed to make the impossible possible, whatever your possible might be. But what happens now? Before doing anything, it’s a good idea to start thinking about how you’re going to repay this loan in as little time as possible. Because not having a plan (or not sticking to it) will cost you in the long run. If you’re finding yourself without a solid path forward, check out the tips below for quickly repaying loans in a way that won’t rack up...
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Are Loans Secretly Doing A Number On Your Credit Score?

  To understand the impact of loans on your credit score, we must first take a step back to understand the foundation of loans and credit. When someone borrows a loan, they agree to make a certain number of payments for a certain amount by a particular date each month. A credit score represents the amount of trust lenders have that someone will be able to repay their debts and financial obligations on time. A good, or higher, score suggests they are very timely with payments, whereas a bad score suggests they are not very trustworthy with repaying what is...
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