07/01/2010
Today, millions of consumers are investing in homes that are not yet built. Some consumers don't realize, however, that buying a home before it's been built is a lot different from buying an existing ho..
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06/30/2010
While cleaning out your closets and clearing the yard in your spring cleaning efforts, don't forget a favorite summer convenience, your central air conditioning system. The best time of year to ensure ..
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06/30/2010
You've found the house of your dreams and now all you need is a loan. With dozens of competing lenders and mortgages to choose from, you may think that today's home loan market is very confusing. The ch..
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06/29/2010
If you put less than 20 percent down on a home mortgage, lenders often require you to have Private Mortgage Insurance (PMI). PMI protects the lender if you default on the loan. The Homeowners Protection..
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06/29/2010
Heating and cooling systems are some of the most important investments you'll ever make in your home. Whether you're buying a new house, renovating an old one or making an emergency purchase because "ol..
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06/29/2010
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may ..
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06/29/2010
Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so ..
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06/29/2010
Do you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable a..
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06/29/2010
The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn’t mean all consumers who apply for credit get it: Factors such as income, expens..
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06/28/2010
What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves. Under federal law, creditors are required to give you a notice ..
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