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The latest Georgia and Florida mortgage tips, news, and information, including a few secrets and how-to guides we’ve learned after closing more than 4,000+ home loans over the past 15 years.

Factors That Affect Home Mortgage Rates

Home loans can be generally placed into one of four categories; Conventional, Alt-A and Sub Prime and second mortgages/home equity lines of credit. We will briefly touch on what impacts rates for each of these types of loans. Let’s start with the most common, conventional loans. Fannie Mae and Freddie Mac are quasi governmental agencies …

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Will I have to write a check at closing with my refinance?

There may be some out of pocket funds required at closing depending upon a couple of factors. If you have an escrow account for taxes and insurance, it does not roll over to your new mortgage. This means we must collect for the new escrow account whatever amount should be in that account at this …

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