Mortgages
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Start by identifying your financial goals. Now is a great time to look at all of your debt and the interest rates you are paying including your home loan, credit card or any other revolving debt you may have.
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Do some upfront homework. Try to get a realistic idea of home values in your area. Find out how much your taxes are.
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Determine the loan program that best meets your financial situation (30 yr fixed, equity loan, etc.)
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Compare quotes from reputable local or national lenders on the same day as interest rates change daily!
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Get your estimates in writing and ask questions such as what could make the rate change or fees increase or decrease (appraised value, credit score, etc.)
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Ask for a discount for your commitment to move forward
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