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Qualifying for a mortgage with student debt

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At First Savings, we understand that buying a home is a major milestone in your life, and we also know that for many people, student loan debt is a significant financial burden. However, having student loan debt does not necessarily disqualify you from obtaining a mortgage. In fact, many people with student loan debt are able to successfully qualify for a mortgage and become homeowners.

First time homebuyer and the loan process

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Buying your first home can be strenuous, that’s why it’s important to educate yourself and follow your lender guidance to make this process as smooth as possible.

Top questions renters should ask before purchasing a home

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Are you ready to leap from renting to buying a home? Purchasing a home is an exciting milestone but requires careful consideration. That’s why it’s important for renters to arm themselves with the knowledge of what to expect and the questions to ask when taking this big step.

5 ways maintaining your home can help keep it’s value

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You routinely take your car for oil changes. You make time out of a busy schedule to work out or routinely go for annual checkups. Why? Because you understand how important it is to maintain your body and car to keep things in shape year-round. Yet, most homeowners overlook routine maintenance of their largest financial asset- their home.

How to get a mortgage without a W-2

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Providing a W-2 to a potential lender is a common way of substantiating proof of income for full-time and salaried individuals, but it is by no means the only way of proving to a lender that you can handle a mortgage payment. Lenders want to see that you are creditworthy and will be able to keep up with monthly payments for the foreseeable future. If you do not have a W-2, there are several other ways to give lenders a snapshot into your financial situation.