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First Time Buyer

Art deco room (orange, red, blue) for guide topic on buying a house

Buying a House in 2021: A MoneyTips Guide

Buying a home can be INTENSE. But the more prepared you are for each step, the better you’ll feel. So, how can you feel confident when you haven’t done anything like this before? Whether you’re a “newbie” home buyer or you’re buying a second home and need a refresh, now’s a good time to read...

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Pink piggy bank with coins falling around it.

Questions To Ask a Mortgage Lender

No lender is one-size-fits-all. By asking the right questions, you can try a mortgage lender on for size and see if they’ll fit your specific needs. The difference between the right lender and the wrong lender could save (or lose) you thousands of dollars.  You can seek out lenders on your own or go through...

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Young couple moving in

What Are Seller Concessions?

Homes can be expensive, and for some, it’s the most expensive purchase they’ll ever make. You need to save up enough funds to cover a down payment and pay for closing costs. That initial outlay of money can be a lot, especially for first-time home buyers. But many first-time home buyers may not realize that...

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Lego graphs

The Mortgage Interest Deduction: Limits and Qualification

If you’re like most homeowners, you’re probably looking for ways to get the most value out of your home. Fortunately, there’s a way to do that come April 15 (hint: the tax filing deadline). You can do it by using the mortgage interest deduction. Essentially, you alert the IRS to all the money you paid...

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A young couple moves into a house they bought without a real estate agent

Buying a House Without a Real Estate Agent in 10 Steps

For many first-time home buyers, the home buying process can feel like a mysterious journey into murky, uncharted waters. REALTORS® and real estate agents can help home buyers keep their dreams of owning a home afloat.  According to the 2020 Home Buyers and Sellers Generational Trends Report from the National Association of REALTORS® (NAR), 89%...

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Two women preparing food in a kitchen.

How Does Rent-To-Own Work?

There are few reasons why a rent-to-own option may be a good fit. Maybe you’re not financially ready to make a large down payment. Or maybe you aren’t ready to take out a mortgage. Rent-to-own agreements can help first-time home buyers, people getting their “financial act” together and anyone who is tired of the endless...

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Six people on steps infront of a home, throwing confetti

Are You Ready To Buy a House?

Wouldn’t it be awesome if we could give you a yes or no answer? Oh, if only things could be that easy. Deciding you’re ready to buy a house might seem like a major step. And that would be correct because – spoiler alert – it is. But it doesn’t have to be “meeting your...

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a very artful cash roll of 20 dollars to represent common mortgage mistakes

Home Rules: How Much Income Is Required for a Mortgage?

Life is full of rules. Whether it’s the golden rule, the rules of the road or the life-changing rules in the latest trending self-help book, we are on a constant lookout for common-sense rules to help us navigate life’s complexities. And speaking of complexities, buying a home can feel more complicated than driving, dieting or...

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