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When you start thinking about buying a home, you may have a lot of questions. Instead of searching the internet for every small question, you could take an extremely helpful course online with Framework. Some lenders actually require you to take these courses so you will know how to apply for your loan. However, you shouldn't just be taking this course because you're required to. The course is very valuable and will make the home buying process much smoother. This could even help you save some money because you'll know more about which mortgage is best for you. The courses...
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First-Time Home Buyer Programs Most first-time home buyers find it overwhelming to choose a satisfying mortgage program. Although many first-time buyers have little money for a down payment and insufficient credit history, these shouldn’t stop them from looking into what mortgage programs are most available to them. The following are a few of the most common home buyer programs and grants that can help you get a mortgage loan. USDA loan The U.S. Department of Agriculture has a rural housing program which is designed for home buyers looking in a rural area. The rural housing program is one of the...
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When first buying a home, there are many factors you have to include that you may not be aware of. These can make buying a home very difficult. While you may just want to zoom through the process and sign all the papers, it won't help your financial well-being. Here are some potential, big saving, first-time home buyer grants that you might overlook if you rush the process. Down Payment Assistance Whether or not your grant is forgivable is dependant on the program you choose within the Down Payment Assitance. Additionally, how long you plan on living in the home effects...
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Quarter Two The U.S. Census Bureau released its latest quarterly residential vacancies and homeownership. Currently, the national homeownership rate is 63.7%, up 0.8 percentage points. While it has increased from the last year (62.9%), it is not statistically significant from the last quarter of 2017 (63.6%). In April 2016, Census Bureau announced the lowest homeownership rate (62.9%) the lowest since 1965. However, the impressive finding in the report shows that the only age group driving up homeownership rates are millennials. The homeownership rate for those under 35 years old increased a full percentage point from last quarter’s 34.3% to 35.3%. The...
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The first-time homebuyer tax credit is a special tax credit program meant for a specific group of homebuyers: those who bought a home during the 2008 financial crisis. This tax credit is not widely available and has a variety of requirements that dictate who can receive it. How To Qualify You can qualify for the tax credit if you purchased your home between April 9th, 2008 and April 30th, 2010. There are income limits you must meet. These depend on when your home was purchased. If your home was purchased between April 9th, 2008 and November 6th, 2009, you must...
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As fun and exciting as purchasing a house can be, it can take a toll on new homeowners. When someone first moves into a house, whether it be a friend, family member, or new neighbor, you'll want to help them celebrate this exciting event. While choosing a housewarming gift can be difficult, it doesn't need to be overwhelming. If you aren't sure what the new homeowner's taste is, there are a lot of gifts that are crowd-pleasing. Along with your physical gift, simply giving the gift of caring and assistance will welcome the new homeowner into their home. Offering these...
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When applying for a loan, you might get a little overwhelmed with all the different loan types. Two loan types that are often left unexplained are known as recourse loans and non-recourse loans. What are recourse & non-recourse loans? In both recourse and non-recourse loans, the lender is allowed to seize any assets that the borrower used as collateral for the loan. Most of the time, what the loan was used to purchase is used as collateral. For example, if it's a mortgage loan, then the home would be collateral. The lender could then take the home and sell it...
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Several first-time home buyers struggle with a down payment when looking to purchase a home. It's not easy for everyone to save up 20% of a home's sale price. This can leave home buyers dreaming of owning a home instead of holding the keys in their hands. Fortunately, those dreams can come true with the help of down payment assistance programs. Across the country, there are more than 2,400 home buyer programs available. These programs offer assistance to homebuyers to make their dreams a reality. It's good to know your down payments options, so let's break down the basics of...
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What is a Septic Inspection? A septic inspection examines your home's septic system — a private, on-site waste disposal system that handles a home's sewage and wastewater output. A septic system might be shared between multiple homes, or it may only be linked to an individual home. The main purpose of a septic system is to safely collect and disperse wastewater to prevent any contamination of your property's soil. A septic system is independent of any private well that may provide drinking water to one or more homes. What is a Septic System? A septic system comprises of a septic tank...
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Buying a home for the first time is a huge deal. Looking for the perfect location for your first home can be extremely challenging, especially if you're not too familiar the best areas in which to look. Many first-time homebuyers often make the mistake of choosing the wrong location and get stuck with a home in an area they don't like. As with anything, it's good to conduct some research before closing on a home that may not be the right fit for you. 5 Best Cities for First-Time Homebuyers 1. Orlando, FL With its reputation for growth, Orlando offers countless opportunities for...
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