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This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.
So, you’ve found the perfect home. You’ve already decided where
to place each piece of your furniture inside the home, and in
your mind, all of your family photographs are hanging alongside
the stairwell. But wait—do you know that even if you believe
that your credit report is spotless, it could negatively affect
your chances of getting that home mortgage approval?
The credit bureaus handle hundreds of thousands of credit
reports, and it’s only logical that they will make mistakes. In
fact, studies show us that there are some types of errors on at
least 50 percent of all credit reports.
Could an error be lurking on your report?
Here’s a simple step-by-step guide to ensure that your credit
report reflects exactly what it should.
Step One: Avoid a Bad Credit Report by Requesting a Copy of It
Under the law, you are entitled to a copy of your credit report
from each of the three credit reporting agencies. You should
simply submit a request in writing or visit their web sites and
request a copy.
Step Two: Check the Personal Information
Maybe your name is Jane Smith, but the agencies have you listed
as Jayne Smith. If you don’t think that it matters, you’d better
think again. If the agencies have a miss-spelling in your name,
the wrong address, reversed digits on your social security
number, or even wrong employer information, it could mean bad
news for your report. If the person who they have you confused
with makes a late payment, then it will appear on your report.
What’s worse, if they file for bankruptcy or default on a car
loan, it will take some time to sort out the erroneous
information once it’s found its way onto your report. Avoid all
of this, and report any bad information now.
Step Three: The Credit Information
It may be too late, and you may find that there are loans or
other items on your report that you’ve never taken out. In
addition, you may find that late payments are on your credit
report when you’re sure that you made them on time. If you find
such erroneous information, then you’ll need to send the credit
reporting agencies a letter explaining the error, along with any
proof or documents that you have that will back up your claim.
They are required to investigate your complaint and report back
to you with their findings.
It’s important to do all of this before you apply for a home
mortgage. It will not only reduce the amount of time that it
takes to get an approval, but it could positively affect the
interest rate that you end up with.
To view our recommended sources for bad credit mortgage lenders,
visit this page: Re
commended Bad Credit Mortgage Lenders.
About the author:
Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.