Ellijay Light Up: Holiday Season Begins Downtown
The town square lights come on and the season starts.
A rate lock protects your quoted interest rate for a set period while your loan moves to closing. Here is when you can lock, what a lock covers and the questions to ask.
Many buyers get help with a down payment from family. Lenders allow it, with paperwork. Here is how gift funds are documented and the mistakes that cause delays.
Pre-approval letters come with an expiration date. Here is why they expire, what renewing one involves, and how to keep yours current while you search.
Before closing, you receive a Closing Disclosure with your final loan terms. Here is what it includes and how to use the review period well.
Private mortgage insurance often comes with a smaller down payment. Here is what PMI is, why lenders require it and how borrowers can eventually remove it.
Being pre-approved is not the finish line. Here is why lenders recheck your finances before closing and which moves to avoid until the keys are yours.
Choosing a lender is about more than the rate. These questions help you compare loan options, costs, communication and timelines.
February is when W-2s and year-end statements arrive. It is also a great time to build a tidy document file that makes a mortgage application go faster.
Your credit history plays a major role in a mortgage application. Here is what is in your credit report, how to read it, and how to fix errors before you apply.
The word escrow shows up twice in a home purchase. Here is the difference between escrow during a sale and the escrow account that pays your taxes and insurance.
The town square lights come on and the season starts.
Surveys, markers and why boundaries matter on acreage.
What to look for if the holidays matter to you.
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