Author: Carline Riche Lopez
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How Much House Can You Afford on Your Salary?
Mortgage lenders will pre-approve you for far more house than you can actually afford to live in comfortably. This guide shows you the three different “affordability numbers” every buyer should calculate before house shopping and which one to actually trust.
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What Credit Score Do You Really Need to Buy a House?
The “minimum credit score” lenders advertise and the score that actually gets you a good rate are two very different numbers. Here’s the truth about what each loan program really requires, what score unlocks the best interest rates, and what to do if yours isn’t there yet.
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5 Things to Do Before You Apply for Mortgage Pre-Approval
Most buyers walk into pre-approval unprepared and end up with a weaker offer, a higher rate, or an outright denial. Here are the 5 things you should do in the 60–90 days before you apply small moves that can dramatically strengthen your approval and lower your rate.