Pennsylvania Home Financing

So, you want to buy a home in Pennsylvania. Looking for and selecting a home can be one of the most exciting adventures of your life! As such, you should think about choosing a mortgage lender when you start thinking about buying your home. Although you can’t actually apply for a mortgage until you’ve signed a contract to purchase, developing a relationship with a lender early on will help make your life much easier and less stressful later on.

Many different institutions make mortgage loans in Pennsylvania including banks, savings and loans, credit unions, and of course, mortgage companies. Whatever lender you go to, he or she will need some information from you. This information can be broken down into three categories: employment/income, personal assets, and credit/debts.

Employment history, including salary and bonuses for the past two years will be an important part of the mortgage application and loan process. Lenders will look to you for job stability, steady income, and potential income, including dividends and interest. You will also want to report any other regular income you may receive such as alimony, child support, etc. Additionally, you may be asked to provide tax returns and W-2’s for the past two years as back-up support.

Personal assets such as bank balances, market value of investments in stocks, bonds, personal property owned, and any other significant assets, less any debts you owe (credit cards, auto loans) help the lender determine your net worth.

Finally, you should get a copy of your credit history and be prepared to answer any questions your lender may have. Then be on your way to enjoying your new home in Pennsylvania.

GuideToLenders

With interest rates at all-time lows, there has never been a better time to refinance.
Take advantage of getting additional cash out to improve your home, buy a new car, or pay for a child’s education. GuideToLenders.com will provide you with competitive loan quotes from up to four lenders. Different types of refinance loans offered are 30-year fixed, 15-year fixed, adjustable rate, and interest only. You’ll receive the best rates and options available, regardless of your credit. It takes less than a minute to apply, and you have nothing to lose. Find your refinance loan right now.

MoneyNest

MoneyNest can help you search through hundreds of lenders and to find the most competitive rates. Get loans for mortgage refinancing, second mortgages, a home equity line of credit, home improvement, or debt consolidation. No fees are required and all credit histories are considered. Fill out a single application and get up to 4 FREE quotes.

Countrywide Home Loans

Qualified homeowners – even those with less-than-perfect credit – may now access their home’s equity to get cash, consolidate debts, and lower monthly expenses. Countrywide Home Loans may also help applicants who are self-employed or have high consumer debt. We offer competitively priced home loan programs, including fixed rate, adjustable rate, refinance and home equity loans.

DebtWave Credit Counseling, Inc.

DebtWave Credit Counseling, Inc. offers a program to its clients that enables them to repay their debt in a timely fashion. We specialize in working primarily credit cards; however, we are usually able to assist clients with any bills that are considered to be unsecured. Below is a list of benefits that we are typically able to obtain for our clients:
– Reduce your interest rates
– Lower your monthly payment
– Consolidate into one monthly payment
– Eliminate late & overlimit fees
– Stop harassing phone calls (if behind)

INVESTools

The advantage of having an easy-to-follow, step-by-step investing process with easy-to-use Web-based tools is that you rely on facts to make decisions – not emotions. The benefits are less stress, better results and, dare we say it, fun.

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Financial Entrepreneur

I'm passionate about business and finance. After working 10 years for an international organisation, earning more money than most people would need to have very good life, I decided to jump on my own life and businesses. My main incomes are from my financial investments and businesses.

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