If you’re thinking about buying a home, refinancing or are in the mortgage process, it can be quite easy to forget about your credit or savings during the holidays. Your credit can be easily impacted by ringing up your credit balances. Credit scoring modules favor having less than 30% of the total credit line in use.
Of course, they can tell you everything there is to know about the house, from root cellar to widow’s watch. They will detail the square-footage to a fraction of an inch and tell you what might influence your home-improvement plan. They will even happily coach you through the home inspection process and offer you mortgage-securing strategies.
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After months of indecision, if you’ve made a firm decision to put your house on the market this fall or winter, then these pointers could prove helpful: realize you can. selling during the holiday.
Because here’s the deal: As eager as you may be to sell your home before the holidays, plenty of people out there are dying to buy a place before the holidays descend, too. So if you play your cards right, it is entirely possible to not only find a buyer, but also close the deal and move out before Santa’s sleigh starts making the rounds.
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Cindy Lang, Senior Loan Officer, NMLS # 139622 Cindy joined the loanDepot Team in 2008 bringing with her 10 years of mortgage experience. She specializes in working with first time home buyers and the programs that work best for them. She will take the time to make sure the program fits each client and their needs rather you are buying your first home or your 2nd or 3rd home.
A payment holiday is when you take a break from paying part or all of your monthly payment but you’ve not made any earlier overpayments against which you can underpay. They are available for a variety of reasons, usually to assist with a temporary change to your circumstances like a change in employment,