First Time Home Buyers

As a first-time homebuyer, one of the most important things you need to think about is a mortgage. You can find out about the different types available by looking in the real estate section of the newspaper, surfing the Internet, going to local banks with mortgage availability or consulting a Mortgage Broker who will deal with several different lenders.

In order to choose from the hundreds of different types available, consider factors such as the size of loan you need, the monthly payments you can afford, whether you're looking for a mortgage with low up-front costs and the length of repayment period you want. You should also investigate programs designed especially for first-time buyers. Many are locally developed and administered by your state, province or local community.

A further step you can take, to help you find out exactly what you can afford and to show sellers that you are committed to the buying process, is to seek Pre-approval. This is when a lender, after verifying your income and checking your credit, gives you a letter of commitment stating that you'll be given a mortgage up to a certain amount (as long as certain conditions are met). You will also find out what the closing costs will be and be given a chance to lock into a rate without being obligated to anything. It will also tell you well ahead of time if you are going to face a major problem during underwriting when you formally apply for a mortgage, after you have made an offer for your first home and it has been accepted.

Full Spectrum Lending helps homeowners - even those with less-than-perfect credit – access their home’s equity to get cash, consolidate debts, and lower monthly expenses. We can also help applicants who are self-employed or have high consumer debt. In fact, we’re proud to say that 4 out of 5 Full Spectrum Lending applicants are approved for a loan! We offer competitively priced home loan programs, including fixed rate, adjustable rate, refinance and home equity loans.

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Let the best lenders battle for your business right now. At GuidetoLenders.com, you’ll get competitive loan quotes from up to four lenders, so you can take advantage of today’s interest rates while they’re still low. Refinance, improve your home, take a vacation or pay for your child’s college education. Consolidate all of your bills into one and cut your debt with a Debt Consolidation loan. No need to worry about your credit—all credit types are OK.

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Don’t let less-than-perfect credit stop you from achieving your goals of home ownership. Aames has over half a century’s worth of experience providing customers in a wide variety of credit and financial situations with the solutions to their borrowing needs. Whether you’re looking to refinance your current mortgage and lower your monthly payments, or to purchase the new home of your dreams, our loan representatives can help you achieve your goals. Apply today and get a no-risk, no-obligation quote on a quality home loan in just 24 hours!

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Countrywide Home Loans helps homeowners - even those with less-than-perfect credit – access their home’s equity to get cash, consolidate debts, and lower monthly expenses. We can also help applicants who are self-employed or have high consumer debt. In fact, we’re proud to say that 4 out of 5 Countrywide Home Loans applicants are approved for a loan! We offer competitively priced home loan programs, including fixed rate, adjustable rate, refinance and home equity loans.

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