Finance Archive

How to Manage Your DTI Ratio in 3 Easy Steps

Several factors can affect your mortgage application other than your credit score. A typical mortgage company in cities like Johnson City will also look at your debt-to-income (DTI) ratio to see if you’re qualified for a loan. But what if your debt-to-income ratio is not in its ideal condition? Luckily, we’ve summarized all the essential [&hellip

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How to Get Your First Farm Loan Request Approved?

If you’re looking for farm credit loans to expand your thriving agricultural business, then let’s first congratulate you. It means your venture is poised to grow further with additional funding. This is even sweeter if you bootstrapped your way to where you are right now. However, as farmmortgageloan.com stated, making a strong case for your loan application can [&hellip

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Get Yourself One Step Closer to Getting a House in 3 Easy Steps

Getting your own house requires more than just a deposit. There are other fees that you need to calculate, such as stamp duty. But, how do you prepare yourself for such expenses? Here are some tips. Know exactly how much you need to pay Most lenders require at least 20% down payment at the onset of [&hellip

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4 Tips on How to Use a Title Loan Responsibly

For years, title loans have bailed many Utahns out with adequate instant cash. While they’ve had their fair share of scrutiny, there’s no denying that many people, especially borrowers with bad credit, consider them a godsend. To minimize the risks of applying for title loans and protect your best interest, utahmoneycenter.com and other experts strongly [&hellip

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How Can You Choose the Best Mortgage Plan?

Buying a house is a delicate process that requires careful research and preparation. However, given that one in three American retirees have an ongoing mortgage, many people fail to do so. Such worrying statistics only show that many homebuyers rush into the process unprepared. Carrying a home loan into retirement can breed a considerable amount of trouble [&hellip

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Most Common Mistakes People Do When Applying for a Mortgage

The whole process of mortgage loan application can be challenging and confusing. Most lenders will not approve a loan unless you’ve proven your creditworthiness. Problems may arise, which vary from simple typographical errors to major credit issues. American Bank & Trust outlines some of the most common mistakes you should avoid when applying for a mortgage. Incomplete Employment [&hellip

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A Guide to the Property Conveyancing Process

Finding the right conveyancer should be the starting point of your property transactions. That means you should never discuss or agree on an offer for a property you are selling or buying without the help and approval of a conveyancer. Before hiring a conveyancing solicitor, always obtain quotes from various firms to compare the prices and [&hellip

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4 Types of FHA Loans That You Should Know

The Federal Housing Administration guarantees FHA loans, which aim to help qualified Americans purchase their own homes in states such as Missouri. It lets people with low credit score ratings borrow money from a lender through a low down payment. It’s a great option for people who can’t afford to pay at least 20 percent [&hellip

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Survey Shows Optimism for 2018 Among U.S. Small Businesses

The U.S. government’s reforms on corporate taxes may have helped in uplifting sentiments for 2018 among small business owners. A Wells Fargo and Gallup survey revealed that business confidence in the next 12 months increased to 65 in an index of expectations. The poll based its findings from more than 600 respondents, which provided insights after [&hellip

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Buying a Home? Read This First

At the back of their minds, most people consider themselves excellent money managers. However, a quick examination of their finances begs to differ in a big way. All across the board, people buckle under the weight of spiraling debts. A recent study puts the average American household credit card debt to the tune of $15,000, putting the [&hellip

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