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To Lock or Not

One of the toughest decisions you will need to make during the loan process is weather to lock you interest rate or let it float. Even though your loan originator will guide and advise you with this decision ultimately it is up to you when and if to lock the rate in....

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Three Ideal Scenarios for Private Money

Experienced investors and real estate developers know the importance of having a private lender on speed-dial. When a real estate investor sees an opportunity it often means a quick close is needed and there’s no time to wait for bank financing which can take weeks to...

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Things You Absolutely Must Know About Flipping Properties

It’s really entertaining to watch one of these “flip this house” shows on cable TV these days. Within the span of about 30 minutes, including commercials, a real estate investor finds the perfect home to flip. The home is purchased, the contractor hired and at the end...

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The VA Streamline Refinance Loan

For those that are eligible for a VA home loan, there really isn’t a better financing choice. Certainly all options should be considered but if someone is looking for a loan that requires as little cash as possible then the VA loan is a strong contender. VA loans...

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The VA Home Loan Eligibility

For those who are eligible for a VA loan, it’s hands-down the best option when financing a purchase while coming to the closing table with as little cash as possible. The VA mortgage doesn’t require a down payment and restricts the borrowers from paying certain...

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The Jumbo Loan Approval Process

Lenders divide loans into two categories- conforming and jumbo. A conforming loan is one where the loan amount doesn’t exceed $424,100. A jumbo loan is one that exceeds that amount. Each year in the fall, the Federal Housing Finance Agency, or FHFA, sets the new loan...

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The Importance of Hard Money Lending

The term “hard money” has been used in the real estate and finance industry for decades yet the term itself may be a bit misleading to those who have never taken advantage of this financing tool. Just the term “hard” implies it’s not a very good deal because the loan...

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The Butler Rebate Explained

Have you heard about the “Butler Rebate?” Unless you’re in real estate or real estate finance, while you may have heard the term in passing it’s likely the Butler Rebate isn’t exactly an everyday conversation. But for homeowners and homebuyers, the Butler Rebate can...

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Selling Your House with a Real Estate Agent

Some people will tell you that trying to sell a home on your own is a recipe for problems. Still others say you can save thousands of dollars when selling without a real estate agent. So who’s right? Can both be right? Yes, you can save thousands of dollars on real...

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Pros and Cons with FHA Loans

FHA loans have been around for quite a while. Since 1934 to be exact. The Federal Housing Administration is a department within the department of Housing and Urban Development, or HUD. Prior to the introduction of the FHA loan program, universal lending guidelines...

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