San Jose Mortgage Companies

Written by Tara Peris
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San Jose mortgage companies are integral to securing a competitive mortgage package. A good package in turn can save you thousands and thousands of dollars over the course of your tenure in your home. For this reason and many others, it's worth taking the time to examine how your mortgage is put together.

So you've mastered the basics of Mortgage Shopping 101. You know to shop around and compare lenders, to consider interest rates, monthly payments, and point pay-down options. What next? My friend, you are ready for advanced education in the world of home finance.

The Home Stretch

If you've gotten as far as a working with a trustworthy broker or lender, you've already done yourself a big favor. The next thing you will want to do is look into getting your hands on a copy of your credit rating. This is actually quite simple and you can just hop online to find the credit agency of your choice.

Once you have your credit rating, you will want to review it carefully for errors or points of concern. You don't want to be caught off guard and it pays to straighten things out up front. Once you've reviewed your report, you should return to the credit agency and ask for an impartial take on what your standing will be in the real estate market. This unbiased perspective will help you to enter proceedings with your eyes open.

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