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However, only you will know how much you’re comfortable spending every month. To close on a mortgage, you’ll also need the funds to make a down payment. A 20% down payment is usually recommended for a.

Savvy Senior: What you need to know about reverse mortgages What should you know about reverse mortgages, and are they good for retirees? Check out this story on thespectrum.com:.

Most loans are amortized. That is, you make regular payments toward the loan, and thus the balance decreases. There are also several other, less familiar, ways to make your mortgage payments. You can set up an automatic monthly payment through your bank account. If you wish to pay off your loan more quickly, ask about scheduling bi-weekly payments.

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Closing Day: What You Need to Know. Your closing day is going to be an exciting and nerve-wracking one. You’ll need to sign dozens of documents. The final bits of your funding have to go through. Any requirements listed by the lender need to be met. And, if you’re lucky, you’ll get to meet your loan officer if you haven’t done so.

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Mortgages are a tricky business. Nobody looks into them until they’re needed and it can take some time to fully understand the ins and outs. If you’re considering on buying a home, here’s a primer on 10 things you need to know about mortgages. 1. The minimum down payment rules have increased As of February 2016, the minimum down payment needed to buy property has changed and is now.

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