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Finally, you have to pay homeowner’s insurance to protect your home, which lenders require because the home is the collateral that secures the loan. If you put down less than a 20% down payment on.
The application is the true start of the loan process and usually occurs between days one and five of the start of the loan process.
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As a result, congress began requiring creditors to better assess borrowers’ ability to repay their loans. To judge a mortgage applicant’s ability to repay, lenders must account for the homebuyer’s assets, debt-to-income ratio and credit history. The exact forms you need for a home loan depend on your situation.
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