5 Things You Need To Be Pre-Approved For a Mortgage


While idly shopping for a home may be pleasant, serious homebuyers need to start the process in a lender's office, not an open house.

homebuyerPotential buyers benefit in several ways by consulting with a lender and obtaining a pre-approval letter.

First, they have an opportunity to discuss loan options and budgeting with the lender. Second, the lender will check on their credit and alert the would-be buyers to any problems.

Third, the buyers learn the maximum they can borrow and therefore have an idea of their price range. However, all buyers should be careful to estimate their own comfort level with a housing payment rather than immediately aiming for the top of their spending ability. Lastly, home sellers expect all buyers to have a pre-approval letter and are more willing to negotiate with people who have proof that they can obtain financing.

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7 Habits Of Successful Under 30s

successunder30Embrace the unexpected

Everyone has different methods and habits that to lead to their success, especially entrepreneurs.

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Pet Rent Puts the Bite on Empty Nesters

petrentersTight rental market, owning a dog or cat may be pricier than you think

One of the primary reasons empty nesters decide to downsize is to reduce fixed costs. But many boomers poised to enter the tight rental market may encounter an unanticipated recurring cost that’s increasingly common: having to pay a monthly rental surcharge for their pets.

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Starting a Business After 50: Finding the Idea

ideaafter50Here are common categories and ways to locate opportunities

When I asked the 44,000 members of the Sixty and Me community what was preventing them from starting a business, by far the most common response was: “I don’t have a business idea.”

The first step to take when starting a business is to examine your own strengths. But what next? How can you convert your passions, experience and skills into profitable work? How can you find a business idea that is right for you?

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