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Home Buying

How to Buy a Home with Bad Credit: Tips and Options

Buying a home with less-than-perfect credit can feel out of reach—but it doesn’t have to be. Many homeowners start their journey exactly where you are now: determined, motivated, and looking for ways to make it happen. While a low credit score can make qualifying for a mortgage more challenging, it doesn’t mean your dream home is off the table. With the right approach—and the right lender—it’s entirely possible to qualify for a home loan, even if your credit isn’t ideal. At Lendgo, we believe
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Refinancing

When Does it Make Sense to Refinance?

For many homeowners, refinancing can feel like a big decision — and it is. But when done at the right time, refinancing can be one of the smartest financial moves you’ll ever make. Whether you’re trying to lower your monthly payment, shorten your loan term, or tap into home equity, understanding how and when to refinance can make all the difference. At Rate Simple, we believe the best financial choices start with clarity. So, let’s walk through what refinancing really means, when it makes sense
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Home Buying

Breaking Down Private Mortgage Insurance (PMI)

Buying a home is one of life’s biggest milestones. But if you’re putting down less than 20% on your mortgage, there’s a good chance you’ve come across something called Private Mortgage Insurance (PMI). For many homebuyers, PMI can feel confusing or even frustrating. Why pay for extra insurance if you’re already making your monthly mortgage payments? The truth is, PMI plays an important role in helping more people achieve homeownership — and understanding how it works can help you save money and
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Home Buying

The Role of Appraisals in Home Buying: What You Should Know

Why Appraisals Matter If you’re in the process of buying a home, the word “appraisal” might come up and leave you wondering what it really means. The truth is, it’s a key step that can decide whether your mortgage gets approved — and it plays a big role in how much your lender will actually let you borrow. Understanding how appraisals work can save you from surprises later and help you move through the buying process with confidence. At Lendgo, we want you to feel ready for every step of your
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How to Choose the Best Mortgage Lender

Why Choosing the Right Lender Matters Your mortgage lender is more than just a source of funding — they are a partner in one of the biggest financial decisions you will ever make. The right lender can save you thousands over the life of your loan, while the wrong one can cost you with higher rates, hidden fees, or a stressful experience. At Rate Simple, we help you compare multiple lenders side by side, so you can focus on what matters most: finding the loan that fits your budget and goals.
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Home Buying

How to Use a Mortgage Calculator to Plan Your Home Purchase

Your First Step Toward Smart Homebuying Buying a home is exciting, but figuring out what you can actually afford can feel overwhelming. That’s where a mortgage calculator becomes your best friend. Instead of guessing or waiting for a lender to run the numbers, you can quickly see what your monthly payment might be — and how changes to the price, down payment, or loan term affect it. Lendgo’s calculators make this process easy and practical. They give you the power to plan ahead and connect you
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HELOC

How to Qualify for a HELOC for Debt Consolidation

Why Homeowners Look to HELOCs When you’re dealing with multiple high-interest debts, like credit cards or personal loans, it can feel impossible to get ahead. Consolidating those balances into one loan with a lower rate is one of the smartest ways to ease the burden. For many homeowners, the solution is a home equity line of credit (HELOC). But before you can tap into your home’s equity to consolidate debt, you’ll need to know what it takes to qualify. The good news is, with the right preparat

What is Multi-Level Home Insurance?

A multi-level residence is defined as a structure having more than one level. These homes assist the purpose of providing further space and privacy, ideal for families or anyone who prefers to keep detached spaces for living, working, or napping. But owning a multi-level home also means thinking carefully about home insurance. Get A Free Mortgage Quote In this article, we’ll explain in everyday language how insurance works for multi-level homes, what risks to consider, and how to ensure yo

What is the Sales Comparison Approach?

The Sales Comparison Approach (SCA) is a widely accepted method of determining the value of a property in real estate based on the sales of previously sold properties. This means you must compare the subject property with similar houses that have recently sold in the area. This approach is based on the theory that comparable home sales in the market affect a home’s value. Get A Free Mortgage Quote Wondering about the science behind your property’s value? In this post, we’ll discuss what is

What is an Asset Statement?

If you are applying for a mortgage, personal loan, or financial aid, there is a chance you will be asked for an ‘asset statement’, which is somewhat unfamiliar to most people. It’s not as troublesome as it sounds, though. Get A Free Mortgage Quote In this article, we’ll explain what an asset statement is, why it matters, what it includes, and how to prepare one. It helps to understand asset statements while buying a home or applying for a loan because it can help your application go more s
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