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Getting a Mortgage After Bankruptcy

Bankruptcy happens when a debtor does not have the means with which to fulfill all of his (or her) financial obligations. Filing for bankruptcy doesn’t necessarily reflect on the person’s moral compass or integrity. In some situations, particularly where there is negative cash flow (more money going out than coming in), declaring bankruptcy may be

Links We Love: 11 Steps to Improve Your Credit Score

Taking a look at the best personal finance tips and advice from others around the web! This week we’re highlighting 11 steps to improve your credit score, 10 things you should do before applying for a mortgage, what to do if you’re 40 and have nothing saved for retirement (all is not lost), why we

Links We Love: 38 Ways to Save Money Without Trying

Taking a look at the best personal finance news, tips and advice from others around the web! This week we’re highlighting 38 ways to save money without trying, why you should still save — even when you’re in debt, signs you have a toxic relationship with money, surpassingly simple ways to become a millionaire — and

4 Ways to Save on Closing Costs

Purchasing a house is anything from cheap. You’ve got the mortgage, the homeowner’s insurance, any necessary repairs and/or renovation expenses and of course, closing costs. These often-ambiguous fees, which are charged by lenders and third parties, include fees for running your credit, your attorney, an appraisal, title insurance and origination and underwriting your loan. Generally,

HAWK Program Helps First-Time Homebuyers Save on Mortgage Costs

It’s no secret that many hopeful homebuyers have been shut out of the rebounding housing market, unable to take advantage of low but rising home prices because they cannot obtain a mortgage under new, stricter lending guidelines that most major lenders implemented in response to the foreclosure crisis. The strict lending guidelines are designed to

Are You Missing Out on the Wealth-Building Powers of a Mortgage?

All the news stories are pointing to a continued decline in homeownership, even last year during the supposed “recovery” from the recent Great Recession, when interest rates averaged 3.52 percent last May.  In addition, homeownership levels have fallen to 64.8 percent in the first quarter of this year, its lowest level in 19 years, according

6 Mortgage Terms Every New Home Buyer Should Know

Mortgages bring a whole new set of often unfamiliar jargon that can be confusing for first-time homebuyers. Still, your mortgage is likely among your biggest expenses, so it’s a good idea to learn these concepts and understand what you’re signing. Here’s a look at six key mortgage terms that every borrower should learn. 1. Underwriting

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