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      The loan process can seem daunting these days for potential buyers, what with the myriad of regulations and conditions required by underwriters. Often times, this process can be simplified and streamlined when you have a good broker/lender to work with that will explain everything up front, educate you on the different forms and why they are necessary, and lastly troubleshoot from the beginning so as to mitigate any issues down the line. Following this basic framework will allow any buyer to [...]

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      2/1 Buy Down Mortgage The 2/1 Buy Down Mortgage allows the borrower to qualify at below market rates so they can borrow more. The initial starting interest rate increases by 1% at the end of the first year and adjusts again by another 1% at the end of the second year. It then remains at a fixed interest rate for the remainder of the loan term. Borrowers often refinance at the end of the second year to obtain the best long term rates; however, even keeping the loan in place for three full years [...]

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