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Surprise! Your Free Credit Score Isn’t the One Your Mortgage Lender Will Use

Nearly everyone has access to free credit scores today. But one of the big surprises is that the free credit score you’ve been tracking isn’t the one that your mortgage lender will use. That isn’t some sort of glitch in the system. There are a number of reasons why your free credit score and the […]

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Why a Home is Probably Still Your Biggest and Best Investment

While there’s much discussion about building wealth through retirement plans or investing in stocks, a home is probably still your biggest and best investment. That certainly true for the average household in America. Yes, there is the potential to accumulate significant wealth in retirement plans and stocks. But the reality is that a home is […]

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The Pros and Cons of Making a Minimum Down Payment

If you’re a first-time home buyer, you probably expect to make a minimum down payment when you buy a home. But there are pros and cons of making a minimum down payment, and you should be aware of them before you make your purchase. The Pros of Making a Minimum Down Payment Enabling You to […]

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Why You SHOULD Buy a Home in the Winter

A few months ago, I wrote a similar article Why Fall May Be the Best Time to Buy a Home, and that was true for all of the reasons stated in the article. But you know what? It’s even truer in the winter. That’s because all of the factors that make fall an excellent time […]

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When You Should Pay a Professional Instead of DIY

The idea of doing things yourself is tempting. After all, you can save money by taking matters into your own hands. But is it always worth it to do it yourself? Are there times that trying to manage the situation on your own could end up making things worse? Before you DIY — even if you […]

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Questions Employers Aren’t Allowed to Ask in a Job Interview

If you’re on a job interview and you’re being asked questions that are making you uncomfortable, it may be more than just a bad interview. Certain questions are illegal, and an interviewer is prohibited from asking them either directly or indirectly. Interviewers are usually trained in which questions they can ask and which they can’t. […]

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Self-Employment and Buying in HOA Neighborhoods – What You Need to Know

Neighborhoods that have Homeowner’s Associations (HOAs) present a special challenge for the self-employed. Depending upon what type of business you operate, you may find HOA neighborhoods to be something less than welcoming. In a worst-case scenario, it can even turn into a legal confrontation. That’s why you need to know exactly what you’re getting into […]

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How to Answer the Salary Question

It’s a very exciting time: You’re in a job interview, and you feel like it’s going well. You feel like you have a real shot at the job. And then they ask the salary question. Trying to decide how to answer the salary question can be difficult. You don’t want to ask for too little. […]

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How Will the Trump Tax Proposal Affect Homeowners?

On September 27, 2017, President Donald Trump proposed sweeping income tax reform. If enacted as presented, it will be one of the biggest changes in the US tax code in history. There are provisions in the proposal that also specifically affect housing and homeowners. What are the main changes proposed, and how will the Trump […]

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10 Things You Can Do to Improve Your Credit Score

If you’re shopping for a home, you’re probably also shopping for a mortgage. To get a great mortgage, you need a great credit score. But what if your credit score isn’t great? Here are some things you can do to improve your credit score: 1. Get copies of your credit report from the three major […]

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