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Qualification Ratios

When it comes to your mortgage, qualification ratios may seem like something from your high school calculus class. It's actually not rocket science. The math is simple, and the concept is sound. Income Ratio is your total monthly housing payment as a percentage…

Condo Purchases without a HOA Certification

Condominium loans are unlike loans for single family residences. The biggest difference is that not only are the qualifications (income calculations, credit history, and down-payment capabilities) of the borrower taken into consideration, but so are the qualifications of the condominium project itself.…

Increase Your Credit Score

A credit score is a statistical analysis of a person’s borrowing and subsequent payment history. The purpose of a credit score is to predict the likelihood a consumer will make a late payment on a current or potential line of credit. Scores…

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Chad Baker, CrossCountry Mortgage   
NMLS# 329451 | CCM NMLS# 3029