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Getting a first time home mortgage loan can be a tricky business but the good news is that the competitive mortgage market welcome first time home mortgage loans and offer incentives and attractive rates for first time buyers looking to join the property [link widoczny dla zalogowanych] ladder.
Before you make an offer on a property it is important that that you get a first time home mortgage loan approved in principal by your mortgage company or independent mortgage broker, especially if you are placing a bid on a foreclosure property as often you will need to complete the [link widoczny dla zalogowanych] deal within an agreed timescale so it is best to [link widoczny dla zalogowanych] have your first time home mortgage loan approved before even viewing a property.
if [link widoczny dla zalogowanych] you are looking for the best rate on a first time home mortgage loan you should offer a good deposit on the property such as a 10% deposit which will entice lenders to offer you a more attractive rate as you are borrowing less equity against your home.
Another way [link widoczny dla zalogowanych] to save interest on first time home mortgage loans is to reduce the length of the mortgage term to 20 years instead of 25-30 years which will save you a small fortune in interest repayments but you must be prepared to pay a higher [link widoczny dla zalogowanych] monthly mortgage rate although the benefits are well worth [link widoczny dla zalogowanych] finding the extra money [link widoczny dla zalogowanych] every month.
Another important factor [link widoczny dla zalogowanych] when considering a first time home mortgage loan are any set up or admin fees as [link widoczny dla zalogowanych] often the company offering a lower interest rate will charge a higher initial fee which may offset any savings on the interest rates.
First time home mortgage loans also often [link widoczny dla zalogowanych] have high redemption penalties which basically means that if you pay off the mortgage or sell your home within 2-3 years you will be liable to pay 6 months interest payments as a redemption penalty.
This can amount to thousands of dollars so try and go for a first time mortgage loan with low redemption penalties just in case you don't like your new home and sell up earlier than planned !
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