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My bank has informed us that the loan application has been approved and that documents are ready for us to review and sign electronically. higher interest rate than what you’d pay on a first home.

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Whichever ratio results in the lower mortgage payment is the limiting factor. 7. Do I need a pre-approval or pre-qualification? A pre-approval is an extensive review. at first, but it doesn’t need.

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Borrowers can speak with a loan officer over the phone or in a branch office to evaluate their financial needs and find the right mortgage product if they prefer.” guaranteed rate, which reports.