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How Student Loans Affect Buying A Home

Many Americans shoulder huge amounts of student loan debt. As recent college graduates venture into the housing market, some are shocked that their student loans affect buying a home.  If you’re looking for a home mortgage in Newton PA, be aware that student loans affect buying a home in 3 significant ways.  1: The Down Payment A hefty down payment is a smart way […]

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Fixed and Variable Mortgages Explained

One of the most important decisions potential home buyers make when purchasing a home is whether to choose a fixed mortgage, or opt for a variable mortgage.  What does this really mean? These terms refer to the interest rate on the mortgage loan.  Fixed mortgages have an interest rate that’s set in the beginning. The rate doesn’t change throughout the life […]

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Interest Rates in 2018: What You Need to Know

Buying a home in Bucks County takes planning. Which neighborhood suits my family? How close will I be to work? How much can I afford? If you are planning on buying a home this year, a big consideration is the interest rate you will pay. All eyes are on interest rates in 2018 and which way […]

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5 Factors that Affect Mortgage Interest Rates

If you’re searching for a home mortgage in Yardley, you may ask dozens of questions. Which real estate agent should I choose? How much home can I afford? And, what should I know about interest rates? Do you really understand interest rates? Why do they change so often? Here are 5 factors that affect mortgage interest rates.  1: The Economy. […]

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Mortgage Mistake #4: Not Comparing Mortgage Quotes “Apples to Apples”

Recently, a local couple buying a new home was referred to Federated Lending by their friend. They’d already gotten a quote from another lender and wanted to compare rates. Our team provided the estimate, and the rates appeared to be the same. The man we’d been working with on the details was a little apologetic because he […]

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A Common Mortgage Mistake

Mortgage Mistake #4 . Waiting for interest rates to rise before you refinance an adjustable first or second mortgage. If you follow the economic news at all, I’m sure you’re aware that consumer interest rates have risen sharply over the past few months. Reports indicate that companies are competing for workers so there is upward […]

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When is the best time to refinance your home?

When interest rates drop, it is tempting to refinance your home. However, knowing the best time to refinance your home is important; refinancing may not be the right answer after you factor in costs, the possibility of a longer-term mortgage and your credit rating.  Costs of Refinancing First, the costs of refinancing your home must […]

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The millennial’s guide to first time home buying

Every first time home buyer has a lot to learn. If you’re a millennial, there may not be anyone who has given you pointers about obtaining your first mortgage or other tips that could be handy when it is your first time buying a home. There are some practical things you should know before you […]

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Seven Mistakes First Time Home Buyers Make

There are several mistakes that can occur if it is your first time buying a home. If you are aware of the most common first time home buyer mistakes, you can avoid them and have a better overall experience. Here are seven of the most common mistakes: 1. Not Understanding Your Credit Most people never […]

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Should I get a mortgage online?

  When you start the process of searching for a home, one question you may have is should I get a mortgage online. While many of us complete financial transactions online today, we all know there are safety concerns. This is especially true if you are dealing with some of the sensitive information you will […]

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