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Amerifirst blog

Explore our blog for insights on buying, financing, remodeling, and taking care of your home.

First Time Home Buyers and Credit: 6 Mistakes to Avoid

  • Thu, Dec 27, 2018
  • 5 min read

  Wondering what you need to do if you're planning on buying your first home? It's simple. Have the best credit score possible. With a good credit score, you'll almost always qualify for the best interest rates and terms on your home loan.   And the less money you pay in interest, the faster you'll pay off the mortgage. 

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New Homeowners Checklist: What to Do First

  • Thu, Dec 27, 2018
  • 3 min read

Becoming a new homeowner is a thrilling life event, but with your new home comes an avalanche of tasks and responsibilities. Between packing, moving arrangements, decorating and setting up utilities, your to-do list seems never ending. So, it's no wonder that in all of the excitement, many new homeowners forget to cover some of the basics.   To ensure the move into your new home goes smoothly, check off these four must-do tasks:  

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5 Factors That Influence Your Closing Costs

  • Wed, Dec 26, 2018
  • 4 min read

How much can I expect to pay in closing costs? That's a common question, and a good one, especially from first-time homebuyers. Closing costs are fees that you pay to get a mortgage. These can include appraisal, title services, credit report, attorney and underwriting fees. Closing costs typically run between two and five percent of your purchase price.

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Can I Get a First Time Home Owner Mortgage with a 550 FICO Score?

  • Wed, Dec 26, 2018
  • 4 min read

FICO credit scores are an important part of the first time home owner mortgage process. Your score and your credit history tell a lender a lot about your financial life and the likelihood that you'll pay your house payments on time. Your FICO score doesn't tell the whole story of course, but it's on important step in the home buying journey. So what does a 550 FICO score say? In essence, it says you're not ready for a mortgage just yet.

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What Do I Need to Bring to My Mortgage Loan Application

  • Wed, Dec 26, 2018
  • 3 min read

Paycheck stubs. W-2's. Bank statements. Piles of paperwork. Investment statements. Your first born child.

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I Am Pre-Approved for an FHA Loan But...

  • Wed, Dec 26, 2018
  • 5 min read

Here's a mortgage question we received recently: "We have been pre-qualified for a regular FHA loan but we'd like to get qualified for a 203K loan so that we can look at "fixers" that might be more in our budget. Can we do that?"

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