How A Mortgage Pre-Approval Can Help You Get A Better Deal On Your Home Purchase

Oftentimes, when you are searching for a new home, it may seem obtaining a pre-approval for your mortgage loan is a waste of time and energy. However, there are some significant benefits to a pre-approval which should not be overlooked. In many cases, buyers can use a pre-approval for leverage when negotiating with sellers and may wind up buying a home for far less than what the listed price is. Knowing Your Limitations One significant benefit of a mortgage pre-approval is knowing exactly how much money you will be able to borrow. This means you will be looking at homes…
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Can I Get Cash Out From My Home Right After I’ve Purchased It?

Generally when you are purchasing a home, you are buying below the appraised value and you are making a down payment. The good news is this means you have "instant equity" in your home. For some homeowners, this means may be considering taking cash-out from your home equity in order to pay off credit card bills, purchase a car or pay for college for one of your children. However, it is important understand, this may not be as simple as it sounds. Cash Out Refinance, Equity Loan Or Second Mortgage There are three basic ways to access the equity in…
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