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jeremykingsbury

101% Financing, No Mortgage Insurance
101% Financing, No Mortgage Insurance 1024 536 jeremykingsbury

101% Yours. Owning a home is the American Dream! Whether you are a first-time buyer or moving up, we’ve made it easier than ever to get into a new home…even helping with closing costs. We are able to finance 101% of your sales price, meaning…

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Home Equity: What It Is and Why It Matters
Home Equity: What It Is and Why It Matters 1024 536 jeremykingsbury

It is often said that homeownership builds wealth. So, what is home equity, and how can it enhance your net worth? What is home equity? Home equity is the current market value of your home, minus what you owe. You’re looking for a positive number.…

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What is mortgage insurance and how does it work?
What is mortgage insurance and how does it work? 1024 536 jeremykingsbury

Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.  Typically, borrowers making a down payment of less than 20 percent of the purchase price…

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5 Reasons to Buy a Home This Fall
5 Reasons to Buy a Home This Fall 1024 683 jeremykingsbury

Real estate markets ebb and flow just like the seasons. The spring market starts hopping when the sun comes out, flowers bloom and winter is over. Conversely, fall signals the beginning of a slower market, which could be good for buyers. If you’re in the…

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How a 20-year home mortgage can save you money
How a 20-year home mortgage can save you money 1024 536 jeremykingsbury

The 30-year fixed-rate home mortgage dominates the housing market, particularly for first-time buyers who appreciate the ability to extend their home loan payments for the longest possible term. The second most common fixed-rate loan term is 15 years, but many lenders also offer loan terms…

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Ready to Remodel: What You Need to Know
Ready to Remodel: What You Need to Know 1024 536 jeremykingsbury

Now is a Great Time: Interest Rates are Still Low Current interest rates are still low, so if you are thinking of remodeling, buying a new home or investment property or refinancing your current mortgage, contact us for a complimentary review of your current financial…

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FHA Streamline Refinance
FHA Streamline Refinance 1024 536 jeremykingsbury

The FHA Streamline Refinance program is a special refinance program for people who have a Federal Housing Administration (FHA) loan. It is the simplest and easiest way to refinance an FHA loan. Unlike a traditional refinance an FHA Streamline Refinance allows a borrower to refinance…

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Paying Extra Toward Mortgage Principal Pays Off
Paying Extra Toward Mortgage Principal Pays Off 1024 536 jeremykingsbury

Prepaying your mortgage: How reducing your loan principal can lead to big savings. When you prepay your mortgage, it means that you make extra payments on your principal loan balance. Paying additional principal on your mortgage can save you thousands of dollars in interest and…

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30 Years of Certainty
30 Years of Certainty 1024 536 jeremykingsbury

Thirty years can sound like a lifetime when you’re talking about getting a 30–year fixed–rate mortgage. There are so many uncertainties in life and who knows where you’ll be in 30 years. Will you switch careers? Will you move cities? Will you have children? It…

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Should You Refinance to a Shorter-Term Loan?
Should You Refinance to a Shorter-Term Loan? 1024 683 jeremykingsbury

New homebuyers often choose to take out longer term mortgages such as a 30 year term mortgage on their new homes due to the security and peace of mind that a consistent monthly mortgage payment provides. However, a 30 year term can be really long…

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