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Many first-time home buyers have low credit scores and need help with high debt-to-incomeratios. Consider your monthly income, expenses, and debt-to-incomeratio when setting a budget for your new home. Again, local market conditions determine whether you can get any sellerconcessions.
“A seasoned mortgage broker will fully analyze your situation and application, anticipate any issues, and guide you through the process to a smooth closing,” says Trey Bolen at Lendid Home Loans. It’s also important that buyers come to closing prepared with all necessary closing documents and payment for closingcosts.
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