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Mortgage and Loan Basics

One of the most fundamental aspects of buying a home is figuring out how you are going to afford it. Most home buyers take out long-term loans called mortgages that give lenders a claim on the home should you forfeit. Factors that go into financing a home purchase might include determining the best type of mortgage for your means; understanding the mortgage rates that may be available in your area; and figuring out whether you qualify for a mortgage to begin with. For first time home buyers, seeking and qualifying for mortgages can be a bewildering process, although home ownership typically improves your credit rating. This section includes articles to help you understand these and other basic information about mortgages and loans so you can feel confident when you walk into a lender's office.

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