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Credit For A Mortgage in NYC

Improving Your Credit Score For A Mortgage In NYC

Your credit score is based on five factors: payment history, amount owed, length of credit history, new credit, and credit mix.  Credit scores are calculated on a monthly basis (30-45 days) by Credit Information Companies, based on credit information provided by the lending banks and NBFCs.  A credit score is a three-digit number that rates

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DOES PRE-APPROVAL REALLY MATTER IN HOME SHOPPING? THE ANSWER MAY SURPRISE YOU

If you’re in the market to buy a home this spring, you might be facing some challenges. With limited homes available and higher mortgage rates, it’s crucial to have a clear understanding of your home buying budget. Being determined and acting swiftly when making an offer is also key. One way to prepare yourself –and

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7 SURPRISING THINGS YOU CAN NEGOTIATE WITH HOME SELLERS TO GET THE HOME YOU DESERVE

When it comes to tipping the scales in your favor in homebuying, negotiating the asking price is often the first item on the list. But did you know that there are other things you can negotiate with the seller for your benefit? What’s even better is that these items can often be negotiated even in

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BUYING A HOME RATHER THAN RENTING STILL MAKES SENSE AND HERE’S WHY

Deciding whether to rent or buy a home this year? Rental affordability has been challenging for years, and it isn’t changing any time soon. That’s why many are considering the advantages of purchasing property despite the higher rates. According to data recently released by Realtor.com, while the rental market is experiencing slower-paced growth, as of March

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GET THE BEST OF BOTH WORLDS: THE ROLE OF MORTGAGE PROS AND REAL ESTATE AGENTS IN BUYING A HOME

Are you in the market for a new home and feeling a bit confused about the difference between a mortgage professional and a real estate agent? While both professionals play a vital role in helping you buy a home, there are some key differences you should know about. Here are three differences between a mortgage

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DECODING HOMEOWNERS INSURANCE: HOW MUCH COVERAGE DO YOU NEED?

Homeowner’s insurance is a crucial component of property ownership, providing financial protection in case of unexpected disasters or accidents. The right coverage can mean the difference between recovering from a devastating event and suffering immense financial hardship. In this article, we will explore the factors you need to consider when determining how much homeowners insurance

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WAITING FOR HOME PRICES TO DROP DRAMATICALLY? HERE’S WHY YOU SHOULDN’T WAIT

Many were expecting house prices to come crashing down, much like they did in 2008. While there have been many shifts in the housing market, we have yet to see a “crash.” Why could that be? What’s different now? This article will explore reasons that we may not see a major drop in prices as

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