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Questions to ask when applying for a home loan

Young woman learning about home loansIf you're a home buyer, you have questions about which loan program is right for you. Or you may be wondering what closing costs are or how much of a down payment you will need to buy a home. If you've purchased a home previously, you should know that a lot has changed over the last few years. So here's a collection of articles to make you a more informed home buyer.

What is mortgage prequalification? What is pre-approval? Are they the same thing?

You hear it from everyone when you want to buy a house. Some people say pre-approval, other people say pre-qualification. Is there a difference? There is a difference, there is a significant difference between the two words and their meaning. Read more

What is APR? Is that my interest rate?

You see it all the time. You see it on the television, on web sites, and hear it on the radio. Two interest rates. The proposed interest rate and a second rate called "APR". The APR rate is always higher. So what is it? Read more

How important is your credit score and credit history?

Your credit rating not only impacts your ability to obtain a home loan, but also affects your car insurance, and possibly a new job.

Credit report and credit score

Home loans for people with bad credit

How can I check my credit report for free?

How do credit repair companies fix your credit?

How to get rid of bad credit history?

How to remove bad credit from your credit report

How to repair my credit report myself

Illegal credit repair tactics

Legitimate credit repair companies

What do mortgage lenders look for on credit reports?

What happens to your credit score when you get married?

What is on my credit report?

What is the consumer credit counseling service?

What is the Fair Debt Collection Practices Act (FDCPA)?

What is the purpose of the fair credit reporting act?

FHA home loan questions & answers

The FHA loan program is one of the most popular mortgages for home buyers, but what do you know about the mortgage program?

Conventional home loan questions & answers

USDA home loan questions & answers

VA home loan questions & answers

Home buyer questions and answers

Mortgage lender questions and answers

Did you know that the lender can pay a percentage of your closing cost? It's true, and recent changes to the conventional mortgage increases the lender paid closing cost amount. Read more

Questions to ask your real estate agent