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Choosing a Lender - Do Your Homework Up Front
Taking out a mortgage to buy a house is a huge step that is scary and stressful too. The amount and terms of the loan will have a major impact on your financial picture for decades. That’s why you should choose a lender carefully.
What to Do Before You Choose a Lender
In order to qualify for an attractive interest rate, you need to prove to lenders that you are a good risk. That means you need to get your financial house in order before you start applying for a mortgage. The first step is to get copies of your credit reports and have any errors corrected. If you have a lot of credit card debt, work to pay down the balances and lower your debt-to-income ratio.
If there are issues on your credit report or inaccuracies, a good lender will be able to help you resolve them.  This is an important reason to talk to a lender early in the mortgage process.  Generally you don't need to go to a credit repair company.  Your lender can work through issues wtih you and get them resolved without charging you a ridiculous sum of money. 
Take a hard look at your budget and figure out how much ... more

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