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Getting a mortgage and buying a house is all about being prepared today
All the news everywhere is about how difficult and hard it is to qualify for a mortgage, and even when you do, the rules and requirements from underwriters make the whole process tiresome and frustrating.

But as with everything, it is all a matter of being prepared. That means today that long before you are actually ready to purchase a home you need to start cleaning up your credit. The higher your credit score, the lower your rate can be, so making sure you pay all your bills on time is very important. Not having all your credit on one credit card which is maxed out is also a good idea, it is much better to have three cards and spread the same debt over all three cards, then you are not maxing any one out and are using the available credit better from the lenders persepcetive and you get a higher credit score. Get a credit report, you can get a true free report on line, don't get foooled by scams that require you to pay to get your score. This central site is sponsored by the big three reporting agencies. Check this report over, make sure there is ... more

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