Author Archives: Neena Vlamis, President of A and N Mortgage

Top Creative Tips for Paying Closing Cost Credits

Are you on the hunt for a new property? Congratulations! Buying a home represents an exciting milestone in many people’s lives. Before you rush into a deal, the smart approach is to strategize ways to minimize closing costs before you … Continue reading

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Navigating the “New” Uniform Residential Loan Application (1003)

The time has come for you to buy a new property. If you’re like most buyers, you’ll probably need to apply for a mortgage loan to finance the property. During this process, you’ll more than likely encounter the new Uniform … Continue reading

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Tax Relief Tips for Homeowners

There is no doubt that homeownership is something we all dream of achieving. A place to call your own, that you can change to reflect your tastes, provides a great sense of achievement. It’s one of the best experiences that … Continue reading

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5 Ways To Revamp Your Credit Score in 2021

If you’re planning to buy a new car or home in the near future, you need to make sure your credit score is as high as possible. Lending institutions decide how creditworthy you are based mainly on your credit score. … Continue reading

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How to Get and Stay Out of Post-Holiday Debt

Even though you might have cut back on travel this holiday season, you probably still felt like treating yourself and your loved ones. That often means you bought gifts you might not have been able to afford. It’s so satisfying … Continue reading

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Benefits of Choosing a Mortgage Banker

As you begin your search for a mortgage lender, don’t discount smaller, local entities like banks or credit unions. These small institutions use their funds or funds borrowed from a warehouse to provide loans to their customers. Once you’re familiar … Continue reading

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Pre-Approval Adds Certainty to the Homebuying Process in 2021

If you’re ready to purchase a new home, one of the smartest steps you can take is to obtain a pre-approval for your new mortgage. Even if you have a pretty good idea of where you stand in terms of … Continue reading

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The Advantages of In-House Underwriting

There are several people and multiple steps involved in helping you obtain a mortgage for your new home. Your loan officer will be responsible for collecting all of the relevant information about your income, credit history, debt ratios, and savings … Continue reading

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Everything You Need to Know About Applying for A Second Mortgage

Taking out a second mortgage allows you to borrow against the equity you’ve built up in your house. You can use the lump sum you receive from your second mortgage for whatever you wish. You can fund tangible projects like … Continue reading

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Qualifying for a Home Loan with Student Loan Debt

Millions of Americans find themselves with substantial student debt after graduating from college. Significant student loan debt makes it difficult to buy a house for many reasons. First, those monthly student loan payments make it hard to save for a … Continue reading

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