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Buying a Home in Hammonton, NJ: Stop Paying Your Landlord's Mortgage!   It's staggering when you think about the cost of living, especially if you're a renter and not a home owner. If you are currently paying $1,000 a month for rented housing, then over the next three years, your property manage...
Refinancing in Hammonton NJ: Credit Tips That Will Score Lower Interest Rates A good credit score translates into lower interest rates for refinance-shopping borrowers. In a mortgage lender's eyes, the higher your score is, the less risk you are, and the more likely it is you will pay off your d...
 Buying A Home in Hammonton NJ Quick Tips for Getting Started on Your Home Purchase Buying a home can be a complex process, but it doesn't have to be. With a little preparation, you can save a lot of time and hassle by having all of your documents ready when your mortgage professional needs them...
  Protecting Credit During Divorce Divorce raises a whole host of complex issues that can be emotionally and financially devastating. During this time of great upheaval, the last thing anyone wants to deal with is a change in the credit status he or she has worked so hard to achieve. The good ne...
Mortgage Rate Update & How Adjustable Rate Mortgages Work During the last decade, Adjustable Rate Mortgages (ARMs) have increased in popularity among consumers. These days, few homeowners (especially first-time buyers) remain in their homes for more than seven years. In this case, it often makes...
Buying A Home - Part 5: Glossary of Terms   Adjustable Rate Mortgage (ARM)   A mortgage in which the interest rate is adjusted periodically based on a pre-selected index and margin. Amortization   Means of loan payment by equal periodic payments calculated to pay off the debt at the end of a fixe...
Home News Lower Your Property-Tax BillBy Pat Mertz, Kiplinger's Personal Finance, www.kiplinger.com If you anticipate a silver lining in the black cloud of declining home prices - in the form of lower property-tax bills - you may be disappointed. The National Taxpayers Union figures that as much...
Buying a Home - Part 4: Credit Scoring Your credit score is a major factor that will be considered by the lender when they review your loan application. They want to know what your credit history is, and whether you have the ability to pay back the loan you are requesting. In short, good credit ...
Financial Tips for Couples Who Need to Talk Tough economic times can cause a major strain on your marriage. And while we all know that communication is often the key to overcoming this challenge, discussing finances with a spouse can be extremely difficult for many people. With this in mind, her...
$8,000 Tax Credit for First Time Home Buyers Mortgage NewsWhat Would You Do With $8,000? What if the government decided today that, instead of bailing out Wall Street, it was going to give every American $8,000? What would you do with the money? For most Americans, paying off credit card debt wo...

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