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GH Mortgage University

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There are three primary factors lenders use to determine whether a potential homebuyer is qualified. We call it "CIA": Credit, Income, Assets.

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Your credit score can be the determining factor on whether or not you will be able to qualify for a mortgage.

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What is a point, how can it impact your interest rate, and is paying points a good idea?

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Private mortgage insurance is insurance that is required when homebuyers purchase a home with less than 20% down.

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Let's discuss the basics of the different loan programs available to borrowers and dive deep into each program that might best fit your needs.