Consider Hiring a Real Estate Agent

Consider Hiring a Real Estate Agent

Working with a Real Estate Agent Buying a home can be expensive, confusing, stressful and exciting. Your goal is to keep costs as low as possible. You might be looking to trim your budgets by taking a second look at some expenses like contracting a real estate agent,...

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Home Buying 101: Buying Your First Home

Home Buying 101: Buying Your First Home

Ready For Your New Home?  At Home Point Financial, we want to make the home buying process as simple as possible. In order to do so, we created this guide to assist you with the purchase of your new home. Getting started can be hard – from term papers, to...

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SafeboxIQ | Powerful Service Delivery Platform

SafeboxIQ | Powerful Service Delivery Platform

SafeboxIQ is a powerful service delivery platform created for mortgage professionals and companies to bring best results in customer service and sales so you can focus on what’s most important – you and your customers! What if you could streamline mortgage...

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Top 10 Common Mortgage Mistakes

Top 10 Common Mortgage Mistakes

The Top 10 Causes of Mortgage Delays With all the paperwork, rules and regulations involved in the home buying process, sometimes mortgage delays are unavoidable. A delay is sometimes beyond our control, but more often than not, a delay in the mortgage process is...

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12 Months of Money Budgeting Goals

12 Months of Money Budgeting Goals

When it comes to budgeting your money, there’s certainly no shortage of ways for us to spend it—food, rent, retirement accounts, a down payment on a house, gym memberships, gifts … you get the picture. When it really comes down to it, the answer is different for...

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What Should Be My Down Payments On A New House?

What Should Be My Down Payments On A New House?

What is a Down Payment? Down payments are a portion of the cost of a home, paid up front. Generally, the more you put down, the lower your interest rate and monthly payment. Why? The down payment is effectively your investment in your home. When you put more money...

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What is Debt-to-Income Ratio?

What is Debt-to-Income Ratio?

When you apply for a mortgage, your lender will analyze your debt ratios, which are also known as your debt-to-income ratios, or DTI. Lenders calculate DTI’s to ensure you have enough income to comfortably pay for a new mortgage while still being able to pay your...

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How To Make Chocolate Turtle Apple Slices

How To Make Chocolate Turtle Apple Slices

Chocolate, Pecans and Apples…YUM! There is so much to love about this recipe. Words can’t describe the pure deliciousness of apples covered in chocolate, caramel and pecans. Let’s face it, it’s the best combination of salty and sweet all rolled into one...

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