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How to Save UP for a DOWN Payment

We all want the safety, security, and convenience of a good mortgage on a new home. You’ve done your homework. You know you can afford the monthly rate because you’ve budgeted your expenses carefully. But what about the down payment? This up-front lump sum expense, typically between 3 and 5% of the purchase price, can easily be thousands of dollars out of your pocket. This is a non-trivial expense for most people and can cut significantly into your savings. How can you best save up and afford it? The most simple solution is to have the money already. When you...
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Woah-HOA! Homeowner’s Associations?

Most first-time home buyers approach the prospect of moving into their dream space with warranted enthusiasm; this is generally a good thing as enthusiasm often leads to diligence in performing necessary tasks. However, it can also lead to overlooking considerations that go beyond the front porch. Specifically, some fail to vet the neighborhood and weigh its potential to affect their family plans.  In this blog, we take a look at the homeowner’s association, a recurring part of every neighborhood of which every first-timer should be aware. What is a Homeowner’s Association? Put simply, a homeowner’s association, or HOA, is the...
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4 Tips for Buying a Home With Poor Credit

For first-time home buyers, a low credit score can place a lot of obstacles in front of what’s already a life-altering purchase. An ideal scenario would see buyers taking their time and making smart fiscal decisions over the years to build up the type of credit score that sellers go for, but life isn’t always ideal. Sometimes the buyer’s market comes around, and you know that dream home in the perfect location isn’t going to stay available for long. For these moments, we provide four low-credit tips for your homebuying checklist: Pay off any debts you can. Before you start...
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3 Upcoming Real Estate Trends for 2019

As we enter the holiday season and 2018 comes to a close, we can now look back at the year’s past real estate trends. As buying and selling homes often comes down to a matter of time, both sides should pay attention to what’s affecting the market. As we put together strategies to take advantage of upswings and avoid pitfalls next year, we’ve put together the top three things to look out for in 2019. 1. Millennial Movement Various initiatives to provide and improve housing for migrant millennials in second cities could lead to booms in 2019. Young families are...
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Liberty’s Continued Relationship with KW Cares

Liberty Lending Consultants is an excellent source for St. Louis VA Home Loans, Missouri USDA Rural Development loans and more. But outside of being a great place to get loans, Liberty Consultants continues to give back by helping fund KW cares, a local St. Louis charity.  KW Cares offers disaster and emergency funding to the families of its associates. This non-profit group is the result of St. Louis-based real estate company named Keller Williams.  The charity is now supported by associates all across North America. The charity has 503 status, which allows them to accept donations on behalf of those who...
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Lock In Your Mortgage Rate

It is important to lock in your mortgage rates as quickly as possible if you have found your best possible option. A mortgage rate is the rate of interest charged on mortgage payments. This rate is determined by the lender and can either be fixed or variable. Mortgage rate locks typically last from around 30 to 60 days. If you are working with your mortgage broker, chances are you are in good hands. Liberty Lending Consultants will work with you to provide the best possible rates that will supply your needs. If you are not working with a mortgage broker,...
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KW Cares and Liberty Continue to Promise to Give Back to Charity

KW Cares and Liberty Continue To Promise to Give Back To Charity Blog Headline: Liberty Joins With KW Cares To Commit To Giving Back To Charity  KW Cares and Liberty continue to give back to charities. These charities help those who are affected by natural disasters such as wildfires and droughts. Blog Summary: Liberty Lending Consultants and KW Cares have teamed up to help charities for the past several months. These charities support people from all over who have been harmed by natural disasters such as droughts and wildfires. St. Louis, Missouri (July 30, 2018)- A local St. Louis charity called KW...
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The Basics of FHA Loans

At Liberty Lending Consultants, we offer FHA loans with competitive rates. Unless you have a background in finance, banking or lending, you may not know exactly what FHA loans are. There are many types of loans with specifications that appeal to different borrowers.     FHA stands for Federal Housing Administration. The FHA is a governmental agency that facilitates financial support within the mortgage market, as well as improve housing standards and conditions. If the borrower for some reason is not able to pay back the loan and defaults on the mortgage, the Federal Housing Administration will protect the lender...
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