This document outlines 9 mistakes to avoid when applying for a mortgage loan to purchase a home. These include: 1) quitting your job or changing employment, 2) changing banks or bank accounts, 3) buying expensive items that increase debt, 4) making late credit card payments, 5) having large unexplained deposits, 6) using only cash for earnest money deposits, 7) co-signing loans for others, 8) inquiring about new lines of credit, and 9) exaggerating financial details on the loan application. The document provides explanations for why each is problematic and tips for avoiding issues with the lender.
If you have a healthy bank balance and good income generating investments, you have managed your personal finances well and this presentation is not for you. If you think you need to manage your finances better, there are ways to help you live within your means, stay well clear of undesirable debts and apply some useful personal finances techniques.
Your home is a purchase, not an investment!Conrad Francis
Most experts would agree that buying a home is a bad investment, but the problem is, many misinterpret this to mean buying a home is a bad idea in general.
Whilst your home isn’t a great investment that doesn’t necessarily make it a bad purchase, and the two need need to be distinguished when going through the decision making process.
Here's a quick & simple method to help you assess your "affordability" and to help you avoid being "house poor" in making the decision to buy a home.
THE ULTIMATE GUIDE TO BUYING & SELLING A HOME IN THE GREATER TORONTO AREAJusto Inc.
Welcome! For most people, buying or selling a home is the biggest financial transaction of their lives. Whether it’s your first time or not, the information in this ebook will help you make more educated decisions, avoid common mistakes, and could even help you save a great deal of money! Find out more at https://justo.ca/
If you have a healthy bank balance and good income generating investments, you have managed your personal finances well and this presentation is not for you. If you think you need to manage your finances better, there are ways to help you live within your means, stay well clear of undesirable debts and apply some useful personal finances techniques.
Your home is a purchase, not an investment!Conrad Francis
Most experts would agree that buying a home is a bad investment, but the problem is, many misinterpret this to mean buying a home is a bad idea in general.
Whilst your home isn’t a great investment that doesn’t necessarily make it a bad purchase, and the two need need to be distinguished when going through the decision making process.
Here's a quick & simple method to help you assess your "affordability" and to help you avoid being "house poor" in making the decision to buy a home.
THE ULTIMATE GUIDE TO BUYING & SELLING A HOME IN THE GREATER TORONTO AREAJusto Inc.
Welcome! For most people, buying or selling a home is the biggest financial transaction of their lives. Whether it’s your first time or not, the information in this ebook will help you make more educated decisions, avoid common mistakes, and could even help you save a great deal of money! Find out more at https://justo.ca/
If you have not already, it likely won't be long until you run into life circumstances where somebody requests to see your credit. From buying a cellular phone to obtaining a home mortgage, credit report reports and ratings are utilized by services to calculate your credit reliability and establish your loaning terms.
Website - https://whatcomcreditrestoration.com
William E. Lewis Jr has given these tips for individuals to improve their credit score. The credit score changes continuously as new information is added to the credit report or while you handle credit in a more and less responsive manner.
If you are facing difficulties with nasty loan cycles and wish to get proficient loan & debt solutions, contact ‘Payday Loan Debt Solution’. We help you negotiate a loan settlement through highly affordable loan solutions. For assistance, contact ‘Payday Loan Debt Solution’ today.
If you answer 'YES' to any of these questions, you could benefit from a mortgage check-up. Take the test now and see if you could be saving money every month.
Certainly, these credits may seem appealing, however don’t continue until you have familiar yourself with the points of interest. Parity exchange of home credits has turned out to be exceptionally basic after the evacuation of punishment on pre-installment.
How To Raise Money From Family And Friends The Right WayFit Small Business
According to research, 36% of funding for startups comes from family and friends. Furthermore, family and friends invest on average $23,000 in a startup. This presentation will explore the complexities of accepting this money in the form of equity or a loan, how to minimize friction once the investment is made, and one potential tax issue related to paying interest.
Tips for the prospective new home owner. If you are going to apply for new home loan, you will want to see this brief presentation that will outline seven things you should avoid.
If you have not already, it likely won't be long until you run into life circumstances where somebody requests to see your credit. From buying a cellular phone to obtaining a home mortgage, credit report reports and ratings are utilized by services to calculate your credit reliability and establish your loaning terms.
Website - https://whatcomcreditrestoration.com
William E. Lewis Jr has given these tips for individuals to improve their credit score. The credit score changes continuously as new information is added to the credit report or while you handle credit in a more and less responsive manner.
If you are facing difficulties with nasty loan cycles and wish to get proficient loan & debt solutions, contact ‘Payday Loan Debt Solution’. We help you negotiate a loan settlement through highly affordable loan solutions. For assistance, contact ‘Payday Loan Debt Solution’ today.
If you answer 'YES' to any of these questions, you could benefit from a mortgage check-up. Take the test now and see if you could be saving money every month.
Certainly, these credits may seem appealing, however don’t continue until you have familiar yourself with the points of interest. Parity exchange of home credits has turned out to be exceptionally basic after the evacuation of punishment on pre-installment.
How To Raise Money From Family And Friends The Right WayFit Small Business
According to research, 36% of funding for startups comes from family and friends. Furthermore, family and friends invest on average $23,000 in a startup. This presentation will explore the complexities of accepting this money in the form of equity or a loan, how to minimize friction once the investment is made, and one potential tax issue related to paying interest.
Tips for the prospective new home owner. If you are going to apply for new home loan, you will want to see this brief presentation that will outline seven things you should avoid.
Tips On How You Can Go From A Negative Credit Rating To A Positive Credit Rat...The Credit Redeemer
If you’ve ever wondered how credit repair companies can be so effective at improving your credit rating, you’re probably asking yourself what exactly the top credit repair companies are doing behind the scenes that you aren’t. Fortunately, there are plenty of helpful tips on how to improve your credit score available on the Internet that will tell you exactly what these companies do. You just have to find them!
Website - https://thecreditredeemer.com/
You’re thinking of buying a home? Congratulations -- it’s an exciting
process. And it can be a lot of fun. You get to envision the type
of lifestyle you want for yourself (and your family). Do you want
a beautiful two-story home close to your work? Do you want a
modern, stylish condo in the heart of downtown? Are you yearning
to live near the beach, the mountains, restaurants, good schools,
museums, or family?
One of the greatest things about purchasing your own home is
that you get to make it yours. Even before you move in, you’re in
charge of making the decisions about which home you will buy.
It’s a powerful feeling -- having total control. But it can also be a bit
overwhelming, especially when you’re doing it for the first time.
That’s why we wrote this guide. We want to make purchasing a home
less scary and give you the confidence to move forward through
each step of the process -- from beginning to end, when you move into your new home!
Mark Lesinski Hamburg NY - A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Today, because of the credit crisis having a high credit score is more crucial than it has ever been.
Keep Your Home Naturally Cool and Warm Out Change in Seasons
Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
Vinra Construction Tech Enabled Company for Eco-Friendly Home Construction
Contact With Vinra for a Greener Future >>> Call us @ 888 4898 765
Elegant Evergreen Homes - Luxury Apartments Redefining Comfort in Yelahanka, ...JagadishKR1
Experience unmatched luxury at Elegant Evergreen Homes, offering exquisite 2, 3, and 4 BHK apartments in the serene locality of Yelahanka, Bangalore. These meticulously crafted homes blend modern design with timeless elegance, providing a harmonious living environment. Enjoy top-tier amenities and a prime location, making Elegant Evergreen Homes the ideal choice for discerning homeowners.
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
Dynamics 365 Bid Management for Construction ProjectsDynamic Netsoft
This PDF provides a straightforward guide to using Dynamics 365 for efficient bid management in construction projects. Learn how to streamline processes, improve accuracy, and enhance productivity with practical tips and step-by-step instructions.
https://dnetsoft.com/dynamics-365-bid-management-software
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus o...Joseph Lewis Aguirre
Presentation to Windust Meadows HOA Board of Directors June 4, 2024: Focus on Public Safety as Job #1, Engagement, Wealth of HOA, Branding, Communication, Culture, Civic Responsibility
Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
Rixos Tersane Istanbul Residences Brochure_May2024_ENG.pdfListing Turkey
Tersane Suites Residences is a luxurious real estate project located in the heart of Istanbul, next to the beautiful Golden Horn. This unique development offers hotel concept residences with Rixos management, making it the perfect choice for both homeowners and investors.
The Tersane Suites Residences offers a wide range of options, from studio apartments to spacious four-bedroom units, all designed to the highest standard. The suites are finished with high-quality materials and feature modern, open-plan living spaces, fully-equipped kitchens, and large balconies with stunning views of the city and sea.
One of the standout features of Tersane Suites Residences is the Rixos management, which provides a truly exclusive and upscale living experience. Residents will have access to a range of luxury amenities, including a fitness center, spa, and indoor and outdoor swimming pools. Plus, the on-site restaurants and cafes provide a taste of the local and international cuisine.
The Tersane Suites Residences also offers a great opportunity for investors, as it provides a rental guarantee program. This means that investors can enjoy a steady income stream, with the peace of mind that their property is being managed by a reputable and experienced team.
The location of Tersane Suites Residences is also unbeatable, with easy access to the city’s main transportation links and within close proximity to the historic center, making it the perfect base for exploring all that Istanbul has to offer.
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
Total Environment Tangled Up In The Green - Residential Plots Where Nature an...JagadishKR1
Embark on a journey where lush landscapes and contemporary living converge at Total Environment's Tangled Up In The Green Residential Plots in Devanahalli, Bangalore. Surrounded by verdant expanses, these plots offer an idyllic setting for your dream home. Immerse yourself in the serenity of nature while enjoying the finest amenities and design, where every moment is a harmonious blend of luxury and tranquility.
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
2. 1
Introduction
Many factors can affect your standing with a mortgage lend-
er. It is important to not give them any reason to think twice
about funding your loan.
Averting red flags may seem like common sense, but some
situations are not as obvious and can affect you more than
others.
A few characteristics that demonstrate you are a qualified
borrower are proof of:
• job stability
• financial responsibility
• a low debt-to-income ratio
Prove you are a qualified borrower, avoid
the following 9 mistakes potential home-
buyers can make.
3. 2
Do Not Quit Your Job
1
Your lender will verify your employment and will need at
least a month’s worth of paystubs to prove your income.
Therefore, if you change your employment, and possibly
your income level, you will need to give the lender an ad-
ditional month’s worth of paystubs which could push back
your closing date.1
Do your best to stay with your current employment through-
out the entire process of purchasing your home.2
If you cannot avoid changing jobs, becoming self-employed,
retiring, or you are moving for a new job, make sure to make
all details immediately clear to your lender.3
Why
Advice
4. 3
Do Not Change Banks
or Bank Accounts
2
Just like a lender checks your income stability, your lender
will want to do the same for your banking history.4
Lenders require you to provide bank statements before clos-
ing occurs and if you change banks you will have to wait a
month or two to get bank statements for your new accounts.
If you do transfer your funds, make sure you have a paper
trail.5
Also, it would be best to transfer any money you need for
your mortgage costs into one account before you apply for a
mortgage.6
Why
Advice
5. 4
Buying big ticket items, including furniture, appliances,
and vehicles, can increase your debt-to-income ratio which
makes the lender question whether you can actually afford
to pay them back.7
The reduction of your savings, or an addition of another
loan, such as an auto loan, can severely disrupt your mort-
gage loan approval.
Hold off on buying those big ticket items, even if you use
cash, until you have secured and closed the loan.
Do Not Buy Anything
You Have to Finance
3
Why
Advice
6. 5
If your payment is later than 30 days it is added to your
credit report, and because payment history makes up 35% of
your score the late payments can significantly damage your
credit score.8
Keep up your payments. Even if you get busy with the move,
make sure you are keeping up the basic payments so your
credit score remains intact and your payment history is sol-
id.9
days, it is added to your credit report and because payment history makes up 35%
of your score, the late payments can significantly damage your credit score.11
Do Not Make Late
Credit Card Payments
4
Why
Advice
7. 6
If large amounts of money are transferred or deposited it can
make a lender wonder if you just took out another loan or
co-signed a loan.10
This leads them to question if your debt
is actually larger than what they originally thought.11
If you are getting a gift for your down payment or any of
your closing costs, disclose this to your lender so you can
appropriately handle the funds.12
Keep your bank account the same throughout the mortgage
loan process. If there is a big change, make sure you have a
detailed paper trail for all large deposits.13
days, it is added to your credit report and because payment history makes up 35%
of your score, the late payments can significantly damage your credit score.11
Do Not Make Large
Deposits You Cannot Explain
5
Why
Advice
8. 7
Do Not Use Cash for
Your Earnest Money Deposit
6
If you use a check to pay for your deposit you will immedi-
ately have a record of your payment, thus providing proof
you have serious intentions to purchase the home.
Keep a receipt of your payment by check. Keep those bank
statements, tax returns, and any other financial state-
ments.14
If you are unsure whether or not to keep it, just throw it in
the folder.
Why
Advice
9. 8
Do Not Co-sign a
Loan for Anyone
7
Co-signing a loan could make the approval of the loan you
need impossible.15
Part of the approval of your mortgage ap-
plication is your credit score and the debt-to-income ratio.
By being a co-signer you are putting your credit score at risk
and increasing your debt-to-income ratio.
Taking on more debt has the potential to disqualify you from
being approved for the loan you need.16
The simple response is just do not do it. However, if you
are considering co-signing a loan for a friend or your child,
make sure to weigh your decision carefully or discuss it
with your loan officer before taking the cap off the pen.17
Why
Advice
10. 9
Do Not Inquire About
New Lines of Credit
8
When you look for new lines of credit it translates into a
higher risk for lenders because it gives the appearance you
are bringing on more debt.
Do not apply for or open any new lines of credit.
If you are inquiring about credit related to your mortgage, it
usually does not affect your credit score because it appears
as if you are rate-shopping.18
Why
Advice
11. 10
Do Not Exaggerate on
Your Application
9
If you exaggerate on your application and the lender discov-
ers your error, it can lead to you being denied. If you cannot
qualify for a loan you will not be able to buy a house.
Do not inflate your income, leave out debts,19
or exaggerate
about your current or past financial situation. Use common
sense.
Why
Advice
12. 11
Making any of these mistakes can potentially delay your
loan’s closing and add to your stress level. Avoiding these 9
things will not only help your loan process go smoothly but
it will allow you to enjoy this momentous occasion as you
should.
You have spent years saving up enough money to purchase
your home. Knowing what mistakes to avoid and keeping
them in mind will put you one step closer to living in your
dream home.
Conclusion
13. 12
Sources
1. Malina, “Tips to Avoid Closing Delays When Buying a Home,” River
bank Finance (blog), http://riverbankfinance.com/blog/tips-to-
avoid-closing-delays-when-buying-a-home/
2. Ibid
3. Bigger Pockets, “Avoiding Credit Mistakes When Applying for a Mort
gage,” BiggerPockets (blog), http://www.biggerpockets.com/
blogs/2849/blog_posts/31608-avoiding-credit-mistakes-when-
applying-for-a-mortgage
4. Colin Robertson, “10 Major Mortgage Mistakes to Avoid,” U.S. News:
Money, Jan. 20, 2011, http://money.usnews.com/money/blogs/my-
money/2011/01/20/10-major-mortgage-mistakes-to-avoid
5. Michele Lerner, “8 Things to Avoid Before you Buy a Home,”
realtor.com (blog), http://www.realtor.com/advice/eight-things-avoid-
buy-home/
6. Ibid
7. Lilly Keyes, “Things you Shouldn’t Do When Applying for a Mortgage,”
Zing by Quicken Loans (blog), http://www.quickenloans.com/blog/
things-you-shouldnt-do-when-applying-for-a-mortgage
8. Ibid
9. Michele Lerner, “8 Things to Avoid Before you Buy a Home”
10. Malina, “Tips to Avoid Closing Delays”
11. Ibid
12. Ibid
13. Bigger Pockets, “Avoiding Credit Mistakes”
14. First Home Mortgage, “Avoiding Loan Mistakes.” First Home Mort
gage Corporation. Last modified 2014, https://tcohee.gofirsthome.com/
pages/avoiding-loan-application-mistakes
15. Justin Harelik, “Top 10 Reasons Not to Co-sign on a Loan,” Bankrate
(blog), http://www.bankrate.com/finance/debt/reasons-not-to-co-sign-
loan.aspx
16. Bigger Pockets, “Avoiding Credit Mistakes”
17. CIBC, “What Does it Mean to Co-sign a Loan?” Canadian Imperial Bank
of Commerce Website. https://www.cibc.com/ca/loans/articles/co-
sign-a-loan.html
18. Realtor.com Team, “Buying a House? 10 Financial Things You
Shouldn’t Do,” realtor.com (blog), http://www.realtor.com/advice/buy
ing-a-home-10-financial-things-you-shouldnt-do/
19. Ibid
GVC MORTGAGE