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Latest Blog

5 Common Down Payment Beliefs (Misconceptions) That Could Be Holding You or Your Clients Back

5 Common Down Payment Beliefs (Misconceptions) That Could Be Holding You or Your Clients Back Misconception 1: Loan programs are only for new first time homebuyers. While there are many first-time home buyer programs out there, it’s important to take note that the meaning of a first-time homebuyer is someone who has not owned a

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Myths and Realities About Buying Your First Home

Myths and Realities About Buying Your First Home Misconception: Buying a home is too complicated. Fact: The buying process may seem complicated externally, but once started the process can be understood simply. The key is to find respected reliable advisors to guide you through this process and help you understand the obstacles. This is where

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Millennials Finally Moving Out of the Family Basement

Fannie Mae says Millennials are finally leaving their parents’ basements Parents, maybe your offspring may finally be moving out of the family’s basement. A new report(PDF) from Fannie Mae, the U.S. government-backed mortgage company, suggests that the millennial generation is finally getting a “move on” in their lives. “According to the ACS [Census Bureau’s American Community

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New Home Buyer Do’s and Don’ts

As a First Time Home buyer These are Some of the Things You Want to Consider   Do – Check your credit standing, whether with your mortgage broker when you prequalify, or on your own prior to seeking a home loan. There could be erroneous information that you may need to have removed from the

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First Time Home Buyer

The Liberty Bank Mortgage Team specializes in helping First Time Home Buyers through the sometimes challenging process of moving into Homeownership.  They are specialist with many years experience in dealing with some of the typical challenges like: Dealing with credit challenges Obtaining a down payment Understanding the process and terms Choosing a Realtor and Title

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How do I get a down payment?

What Do I Do About A Down Payment? The largest obstacle that many potential home owners face is raising enough money to make a down payment. What is a down payment? Most lenders will only loan a certain percentage of the purchase price so the potential buyer must pay the difference in the form of

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How to Improve Your Credit

How to Improve Your Credit Score Credit scores play a critical role in your financial life and whether or not you’ll be approved for a mortgage or any other type of financing. The fact is, a poor credit score can end up costing you hundreds, if not thousands, of dollars in interest and other costs

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Home$tart and Home$tart Plus funds are now available through Liberty Bank to all qualifying home buyers, including first-time home buyers and those who have previously owned a home. Funds will be distributed on a first-come first-served basis. Home$tart and Home$tart Plus promote home ownership by helping home buyers earning up to 80 percent of area

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