Lydia Lapotaire's (llapotaire) Blog

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Mortgage and Lending - Countrywide
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Lydia Lapotaire Home Loan GlossaryClick the letter that matches the first letter of the term you want to look up. A pop-up window will appear with all the glossary terms beginning with that letter.When you've finished, close the pop-up window to return to this menu.A B C D E F G H I J K L M N O ...
12/22/2007
Searching For a HomeEconomic ClimateFirst, get up to speed on the economic climate and mood in your targeted area.Take note of local industries or seasonal peculiarities. Perhaps a major employer is moving into the area or there are plans to build a prison, airport or expand the business district...
12/22/2007
Describing The DreamOnce you have a good idea of how much home you can afford, it's time to start figuring out what features are the most important. We can help turn your desires into an organized list that will help you evaluate your options. It's time to ask yourself a very important question -...
12/22/2007
Planning for Home OwnershipIf you dream of buying a home you came to the right place. Countrywide can make your dream of owning a home a reality.First things firstBegin your shopping with confidence by knowing what you can afford.Let us pre-approve you for a home. Contact us today to find out you...
12/22/2007
Step 6 - Close the loanThe closing (or settlement) is the meeting at which you sign the paperwork and pay all expenses to take official ownership of your home. If you're looking for a day to celebrate buying your new home, circle this one on your calendar.Although the closing process varies from ...
12/22/2007
Step 5 - Understand the loan processOnce a home has been selected, the processing of the loan can take up to 40 days or more if you use a traditional lender such as a bank. How a traditional lender (such as a bank or mortage broker) processes a loan.Loan Consultant in the local office pre-qualifi...
12/22/2007
Step 4 - Anticipate total costsAt the start of the home buying process and particularly at closing (the meeting where you'll sign the paperwork and pay all the expenses to take ownership of your new home), you'll find yourself paying various fees and other charges.Some of these costs are negotiab...
12/22/2007
Step 3 - Get pre-qualified or pre-approvedWhen you start shopping for a home, it's nice to know just how much home you can afford. Even better, wouldn't you like an edge over other buyers interested in the same home you are?Here's the difference between these two buyer tools. Pre-qualificationPre...
12/22/2007
Step 2 - Learn About LoansCountrywide offers a wide variety of home loans for every borrower. You'll find everything you need to know about each type of home loan and its advantages here. Or, if you'd just like us to help match you up to your best choices based on your preferences, contact me. Ov...
12/22/2007
Step 1 - Understanding rates, points and APRInterest rates, points, annual percentage rate (APR) ... it can all seem confusing. But it's really all about making the down payment and monthly payment fit you and your lifestyle. So let's look at how you can custom fit a rate to your needs, and addre...
12/22/2007
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