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How to Improve Your Credit Score

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The first step to improve your credit score is to obtain a copy of your credit report so you can know how you rank now. For official free credit reports contact www.annualcreditreports.com or call toll-free 1-877-322-8228. You also can mail a completed Annual Credit Report Request Form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. This links you directly to one of the three credit monitoring agencies for your free credit report which... [Read More...]

How Much Home Can I Afford?

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We have examined the credit score and how to improve it. The next step in buying a home is to determine how much money you can borrow. The amount that you can borrow along with the money you have saved for a down payment will determine how much money you can spend on a house. To understand how much money to lend a person, banks and mortgage companies undertake a process called prequalification. Prequalification looks... [Read More...]

Rent or Buy? The Cost is Going UP!

Whether you continue to rent or decide to buy a home, according to recent Zillow 2014 housing projections, the cost is going up.  Zillow projects home prices to increase nationally by 3%, mortgages to rise to 5% interest rate by the end of the year and rents to go up by 2.5% on average. If it will cost a person more whether they rent or buy, the conclusion can be made that one way or... [Read More...]