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Mortgage Refinancing Terminology You Need to Know

March 29, 2007

I. Loan to Value Ratio (LTV) Your loan to value ratio is determined by dividing the amount of the mortgage you are requesting by the appraised value of your home. Suppose you are borrowing 100,000 to refinance your home appraised at $175,000; your loan to value ratio (LTV) in this case ($100,000 / $175,000 x [...]

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What Are Credit Scores?

February 10, 2007

Your credit scores are numbers derived from your history of consumer credit. Mortgage lenders use your credit score to determine how likely you are to default on your mortgage loan. Homeowners with high credit scores get better mortgage interest rates than those with low credit scores. Credit scoring has been around for years; however, computer [...]

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Bankruptcy Will Not Keep You from Getting a Mortgage Loan

January 27, 2007

A common myth after bankruptcy is that you have to wait seven years before becoming eligible for a mortgage loan. This common misunderstanding prevents many homeowners that would otherwise qualify for a mortgage from applying because of their credit. Here are several tips to help you qualify for a mortgage and avoid overpaying after bankruptcy. [...]

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Credit Secrets Bible

January 19, 2007

Are you happy with the contents of in your credit report? If not, there are steps you can take to remove any blemishes that might be lurking there before refinancing your mortgage loan. As you’re learning from our video about your credit, the contents of your credit records are used to generate your credit score. [...]

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Mortgage Interest Rates: Qualify for a Better Rate

July 10, 2006

If your credit score is not where you would like it to be there are steps you can take to improve it. Improving your credit score will improve the interest rate you qualify for when refinancing your mortgage or taking out a home equity loan. You should work on improving your credit score at least [...]

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