I Need to Get a Mortgage – Who do I Call First?

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Mortgage rates have risen about 1% in the last 4 months of 2013. We even had some days that rates would rise 4 times in one day (read about that here). Refinancing your loan is no longer the cool topic at the hors d’oeuvre table at the Bunco party or at the water cooler discussion in the office.  This is usually the spot where you will find a “topper” or “one-upper” who jumps into the conversation and says “Oh, yeah…  Well I got a mortgage rate of 1.99% for 30…

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It’s a race to find Homeowners insurance for your new home

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It’s usually last on your list of things to think about when your offer on the new home gets accepted; locking down the homeowner’s insurance company you are going to use and securing the policy.  An experienced mortgage broker will insist you get started on picking the insurance carrier as soon as your offer gets accepted. What’s the big rush?  You are thinking that the closing will not take place for 3-4 weeks so you have plenty of time to shop around and get it done.  Why do I have…

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