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Blog

The Importance of Debt-To-Income Ratio

August 16, 2018 by jWeb Media

When applying for a home loan, you will hear the term “debt-to-income ratio” and why you need to know yours. Debt-to-income ratio is the total amount of money you owe per month to the total you earn, shown as a percentage, and is essential to understanding your financial health.

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: debt to income ratio, home loan application, homeownership budget

Preparing A Homeownership Budget

August 9, 2018 by jWeb Media

Owning a home is a huge financial responsibility. If you are not prepared for it, you could face financial hardships, fall behind on your monthly mortgage payments, and even foreclose on your home. Here is what you can do to help you prepare a homeownership budget.

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: gross income, homeownership budget, monthly mortgage payments

Why You Need An Emergency Home Repair Fund

July 26, 2018 by jWeb Media

Emergencies happen when you least expect them. Perhaps you need plumbing repair or a tree landed on your roof during a storm. Whatever the case may be, have you given any thought to how you will cover these costs? As a homeowner, when you create your homeownership budget, you should factor repairs and emergencies into […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: home equity lines of credit, home equity loans, home repair fund

What Is A Withdrawn Home Listing?

July 19, 2018 by jWeb Media

When you put your home up for sale, your real estate agent will list it on the Multiple Listing Service (MLS) and he or she has exclusive rights to advertise and attempt to sell your property for a given amount of time. At that point, your listing is Active. When your home becomes withdrawn from […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: multiple listing service, withdrawn home listing

How To Check A Home’s Public Records

July 12, 2018 by jWeb Media

Before you purchase a home, it is essential to do your research. After all, you want to know as much information about the home as possible to ensure that it is safe and won’t throw any unpleasant surprises at you. This includes professional home inspections and checking a home’s public records. Thankfully, many of the […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: buying a home, multiple listing service, tax lien

Buying A Home With Student Loan Debt

July 5, 2018 by Admin

For many would-be homeowners, fulfilling the American Dream and owning their own home is often put off by one obstacle in particular—student loan debt. As a first time homebuyer with student debt, you may find yourself renting a home or apartment instead of purchasing your own home, which can be demoralizing if you yearn to […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: buying a home, debt to income ratio, student loan debt

What Is A Construction Loan?

June 28, 2018 by jWeb Media

Building a new home is exciting. You get to customize an existing home plan or create your very own design to get a home that is unique and meets your needs. But when building your own home, a conventional mortgage just won’t cut it because there is no home to use as collateral. As such, […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: building a home, construction loan

How Often Can You Refinance Your Home?

June 21, 2018 by jWeb Media

Refinancing your home? You may have heard stories from neighbors, friends, or family members that mention how they refinanced their home multiple times over the years. But how often can you refinance your mortgage, realistically? Technically speaking, you can refinance your home as many times as you need, as long as it makes sense financially […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: home equity, interest rates, refinance

No Money Down Mortgage: Is It Right For You

June 14, 2018 by jWeb Media

You may hear it often advertised: Get a mortgage with no money down. But what is a no money down, or zero down payment, mortgage? As its name suggests, a no money down mortgage is a mortgage where the price of the loan is 100% financed. If you are approved, you get the loan amount […]

Filed Under: Blog, Home Buyers & Home Sellers Tagged With: down payment, mortgage interest rates, No Money Down Mortgage

Pros & Cons of Paying Off A Mortgage Early

May 24, 2018 by jWeb Media

When paying off your monthly mortgage payments, you may have wondered if you can make extra payments each month in order to pay off the mortgage early. But is paying off your mortgage early really worth it? Let us explore the pros and cons of paying off your mortgage early:

Filed Under: Home Buyers & Home Sellers Tagged With: monthly mortgage payments, prepayment penalties

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The information provided herein has been prepared by a third party company and has been distributed for education purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

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Guild Mortgage Company is an Equal Housing Lender; AZ BK #0018883; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Georgia Residential Mortgage Licensee; GA #6268; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; NV Banker #1076 / NV Broker #1141; OR ML-176; Rhode Island Licensed Lender; State of Missouri Principal Location: 17280 North Outer 40, Ste. 101, Chesterfield, MO 63005; Company NMLS ID 3274. http://www.nmlsconsumeraccess.org/ All loans subject to underwriter approval. Terms and conditions apply. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5898 Copley Drive San Diego, CA 92111; For more licensing information, please visit https://www.guildmortgage.com/licensingBrought to you by Jweb Media.

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