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Mortgages Fairbanks AK

To learn what your credit score currently is and if there are any mistakes on your credit report, contact the three major consumer credit reporter companies – Equifax, Experian, and TransUnion.

Re/Max Associates Of Fairbanks
(907) 452-6387
529 Fifth Ave #200
Fairbanks, AK
Prudential Southeast Alaska Real Est
(907) 789-5533
8465 Old Dairy Road #101
Juneau, AK
Prudential Jack White/Vista Real Estate
(907) 273-7274
3801 Centerpoint Drive
Anchorage, AK
Alaska Premier Realty Inc.
(902) 262-4170
35425 Julia Lane
Soldotna, AK
Re/Max Of Sitka
(907) 747-4880
210 Lake StSte A
Sitka, AK
Five Star Realty
(907) 598-4663
170 E Corral ST
Soldotna, AK
Bryant Thorp Dynamic Properties Real Estate
(907) 261-7668
3111 C St #100
Anchorage, AK

Data Provided by:
Alaska Premier Realty
(907) 262-4170
265-A Wilson Lane
Soldotna, AK

Data Provided by:
RE/MAX of Eagle River
(907) 694-5050
16600 Centerfield Drive
Eagle River, AK
Re/Max Of The Peninsula
(907) 283-5888
10672 Kenai Spur HwySte 109
Kenai, AK
Data Provided by:

What to Know to Successfully Buy Your First Home

Homework essential to successfully buying your first home
Sun 11/22/09 01:44:02 pm

Are you considering taking the plunge and buying your first home? If so, you’re not alone. Across the country, owning a home still represents the American dream for many and the opportunity to buy your first home couldn’t be better.

Declining home prices, increasing numbers of foreclosed properties and unique government stimulus programs are luring potential homeowners into the market. But, purchasing a new home is more challenging then it was just a year or two ago. Relaxed lending standards over the past decade led to one of the greatest housing market booms in the nation's history, and have now contributed to one of the greatest housing market crashes. Lenders who were previously able 
to easily lend to most homebuyers have now severely tightened their lending standards, making it more difficult for potential buyers to obtain financing.

If you are still ready to make the jump from renter to homebuyer, here are some tips from, the world’s leading online source for legal information on how to prepare to purchase your first home.

Carefully inspect your credit report

Lenders check your credit report to see if you have the means, the capacity and the track record to pay the mortgage on the home you would like to purchase. The better your credit score, the more likely you will obtain a favorable interest rate and terms on a mortgage.

To learn what your credit score currently is and if there are any mistakes on your credit report, contact the three major consumer credit reporter companies – Equifax, Experian, and TransUnion. The Fair Credit Reporting Act mandates that each of the consumer credit reporting companies must provide you with a free copy of your credit report at your request once every 12 months. If you find mistakes on a credit report, notify the credit reporting company in writing of the mistake. The reporting companies must, by law, investigate the disputed items unless they find that the dispute is frivolous. Credit scores are based on a range of 300 to 850 and a score of 700 or more suggests good credit management, according to Experian.

Become familiar with mortgage terms and conditions

A mortgage is a legal agreement between the lender and the buyer of a home in which the property is collateral for the loan. A lien on the property being purchased secures the promise to repay the loan. Never sign any legal documents, including a mortgage, if you do not clearly understand the terms and conditions of the agreement. If you feel pressured to sign a document, walk away and seek the assistance of an attorney or trusted real estate professional.

Shop around for your loan

Contact at least three financial institutions to obtain information on mortgage rates, terms and conditions for a first-time homebuyer. When you believe you have enough money for a...

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