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Five Questions to Ask Your Mortgage Consultant

A large part of a successful partnership between house buyers and mortgage consultants hinges on communication. For the mortgage broker, it means sharing all relevant details about home ownership with the client from start to finish. For the client, it means asking the right questions to ensure you’re gaining all the information you can before signing on the dotted line. We’ve put together a list of the five most relevant questions you can ask your mortgage broker. What will be the interest rate? This question is an important one, and the answer depends on a number of factors. It isn’t...
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How to Get a Better Mortgage Rate

Now is a good time to buy a home in the United States. The average mortgage rates in 2016 were around 3.5 percent, an all-time low. By comparison, mortgage rates exceeded 15 percent in the 1990s and hovered around 8 percent throughout the 2000s. The housing market has recovered from the difficulties of the recent recession; in other words, it is a buyer’s market. As a future homeowner, you can take even more steps to ensuring your rates are as favorable as possible. This requires planning far in advance of signing, however, so we provide steps you can start taking...
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Your Guide to the Home Financing Process

So you’re ready to buy yourself a new home. But before you can start picking out the carpet and the color of your walls, you’ve got to get your finances in order. And unless you’re lucky enough to be paying in cash, you’ll need to get some help with financing. Here at Liberty Lending, we’re ready to help you with every step of the process. A good place to start? This step-by-step guide.   Step One: See What You Can Borrow First, you’ve got to figure out not only what you need to borrow, but what you can borrow. Determining...
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Why Work With a Mortgage Consultant?

There’s no way around it – getting a mortgage is a big decision. And like most big decisions, there are a lot of things to consider. So where do you start? And how do you make sure that you’re doing things the right way? At first, you might consider going to a bank. After all, you already trust your bank with your money. But when you think about all of the intricacies that come with getting a mortgage, you’ll want more than just an institution you can trust. You’ll want something personal. You’ll want help from people that not only...
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Which mortgage type is right for me?

Buying a home is no small decision. It’s a commitment that will absorb the largest part of your income over the next thirty years. The process is involved, to say the least, and can be a bit daunting for those who have never taken a course in real estate.   The first thing to gather is that a mortgage is always tied to a loan, so when you’re discussing mortgage types, you’re actually discussing loan types. Below, we’ll cover the different types so you can get a better grasp on which one fits your budget and future plans. USDA Loans–Part of...
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