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How to Choose the Right Broker… and Not Some Joker!

Choosing the right real associate broker is a critical decision that can significantly impact your success as a real estate professional. Whether you’re a new agent entering the industry or an experienced professional looking to make a change, finding the right broker can provide essential support, resources, and opportunities for growth. In this blog post, we will guide you through the process of choosing the right real estate broker, considering factors such as company culture, broker support, marketing resources, and more. Discover the key elements to consider when selecting a broker that aligns with your goals and aspirations in the...
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FHA? Conventional? What Do These Loans Mean?!

Finding the right kind of mortgage or home loan that works for you is one of the earliest and most important parts of the home buying process for a potential homeowner. Before you find the home of your dreams,  you need to figure out the best way to pay for it by understanding mortgage myths and which mortgage loan is right for you. Conventional loans and Federal Housing Administration (FHA) loans are both common options, especially for first-time homebuyers or real estate buyers. How do you decide which loan options make the most sense for you and your home buying...
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Three Rules for Breaking Your Mortgage Refinance

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. “Rule” #1: 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...
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One! Two! Three! Four! VA Loans for Veterans! Score!

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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Six Mortgage Steps So Simple You’ll Scream!

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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The Seven (Not So Scary) Steps of Mortgage

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 acquire,...
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Pay Your Taxes Early? Try Paying off your Mortgage Early!

So you finally did it – you got the personal 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 personal 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 extra expense. Relax First and foremost,...
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Is That Your Loan Balance or Your Phone Number?!

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 owed....
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