mortgage lender – Ocala Subdivision Tours

Home Mortgages Advice Straight From The Experts

TIP! Avoid accepting the largest loan amount for which you qualify. Your lender will let you know how large of a mortgage you are able to qualify for, however it is not based your personal experience – it is based on an algorithm.

Are you searching for a house? Or do you want to just refinance your home? If so, a home mortgage is something to think about. The process to get one can be a little confusing, but with the knowledge shared here, it won’t be.

TIP! Before you try to get a loan, consider your credit score and make sure you do what you can to make sure it’s good. Your credit rating should be clean and free of errors.

Start preparing for getting a home loan process early. Get your finances in order. You need to build up savings and make sure your debt level is reasonable. You may not get a loan if you hold off too long.

TIP! If you haven’t been able to refinance your house because you owe more on it than what it is really worth, consider giving it another try. A program known as HARP has been modified, allowing a greater number of homeowners to refinance.

Get pre-approval so you can figure out what your mortgage costs. Comparison shop to get an idea of your eligibility amount in order to figure out what you can afford.Once you have everything figured out, it will be easy to figure out your monthly payment.

TIP! Your mortgage application might get denied in the final stages due to sudden changes to your overall financial standing. You should not apply for a mortgage until you have a secure job.

Don’t be tempted to borrow the most expensive house you are approved for. Consider your lifestyle and habits to figure what you can truly afford to finance for a home.

TIP! If you are looking for a mortgage, you will need to ensure that your credit is up to par. Lenders closely analyze credit history to minimize risk.

Pay down the debt that you already have and don’t get new debt when you start working with a mortgage. High debt can doom your application for a home mortgage. Carrying debt may also cost you financially because your mortgage rate will be increased.

TIP! Determine what the value of your property is before you refinance or apply for a second mortgage. While everything may look just the same to you as when you first bought the home, things can change in the bank’s view that will impact the actual value, and this can hurt your chances of approval.

Many purchasers are afraid to discuss their home because they do not understand that they still may have options to renegotiate it. Be sure to discuss all your options with your mortgage provider and about any available options.

TIP! If you are a first time homebuyer, look into government programs for people like you. They have programs that offer help to those with bad credit, and they can often help negotiate a more favorable interest rate.

If your house is worth less than what you owe and you’ve been unsuccessful in refinancing it, consider giving it another try. The Home Affordable Refinance Program (HARP) has been revamped to let homeowners to refinance their home regardless of how underwater they are. Speak to your mortgage lender to find out if this program would be of benefit to you. If your lender is still not willing to work with you, you can find a lender who is.

TIP! Do not let a single denial prevent you from finding a mortgage. Even though a lender has denied your application, there are lenders out there that will approve you.

You will most likely have to pay a down payment. Some mortgage providers use to approve applications without asking for a down payment, but that is extremely rare today. Ask how much of a down payment is required before you submit your application.

TIP! Ask loved ones for recommendations when it comes to a mortgage. They may give you some good advice.

Be sure you’re looking over a lot of institutions to deal with your mortgage lender. Check for reviews online and from your friends, along with any hidden fees and rates within the contracts.

TIP! An ARM, otherwise known as adjustable rate mortgage does not end when the loan terms end. However, the rate does get adjusted to the current rate at that time.

If dealing with your mortgage has become difficult, get help. Counseling might help if you are having difficultly affording the minimum amount. There are different counseling agencies nationwide that can help. These counselors who have been approved by HUD offer free advice to help you prevent a foreclosure. Call HUD or visit HUD’s website for their office locations.

Your credit card balances should be less than half of your limit. If you can, having a balance below 30 percent is even better.

TIP! Before applying for a mortgage, whittle down how many credit cards you own. Having a bunch of them, no matter the debt amount, may make you seem financially irresponsible.

Learn some ways to avoid shady mortgage lenders. Stay away from lenders who try and rush the deal through.Don’t sign things if you think the rates are too high. Avoid lenders who say a poor credit score is not a problem. Don’t go with lenders that say you can lie on the application.

Lower the amount of credit accounts prior to seeking a mortgage. Having lots of open credit cards can make you finances.

TIP! Settle on your desired price range prior to applying for mortgages. If you get approved for a loan bigger than what is realistic within your budget, you do get some wiggle room.

Learn all about the costs and fees associated with your mortgage. There are quite a lot of things that can go wrong when you’re trying to close out on a home. It can make you feel very daunting. When you know what they’re about, you are in a better position to negotiate.

TIP! Once you have an approved loan, you might be tempted to lower your guard. But avoid making any actions that will change your credit rating at this time.

If you know your credit is poor, you should save up for a bigger down payment. It is common practice to have between three to five percent; however, but you should aim for around twenty if you want to increase your chances of being approved.

TIP! Save some money before applying for a mortgage. Required down payments can vary anywhere from 3.

Look through the internet for home loans. You used to have to get a mortgage from a physical institution anymore. There are many reputable lenders online that only do business exclusively online. They can be decentralized and are able to process loans quicker this way.

If you are approved for a large amount, it can give you some wiggle room. This can cause financial hardship down the future.

TIP! Mortgage brokers earn a commission so be aware of all the fees and expenses related to your loan. That way, they are sure to steer you toward a lock on a higher rate.

The tips shared here give you more information about home loans. When you finally decide that you will apply for a home mortgage, make sure you apply all of the great advice from this article. You will be proud of owning your own property, so don’t let getting one be intimidating.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Get Your Mortgage Questions Answered In This Article

Doing it without proper information can result in negative consequences.

Don’t buy the maximum amount you qualify for. Consider your income and habits to figure out how much you are able to afford.

TIP! Avoid overspending as you wait for closing day on your mortgage. Lenders generally check your credit a couple of days prior to the loan closing.

New rules under HARP could let you apply for a brand new mortgage, even if you owe more than what your home is worth. This new opportunity has been a blessing to many previously unsuccessful people to refinance. Check the program out to determine what benefits it will provide for your situation with lower monthly payments and credit score.

TIP! Your application can be rejected because of any new changes to your finances. Make sure you have stable employment before applying for a mortgage.

Avoid overspending as you wait for a loan. Lenders tend to run another credit check before closing, and they could change their mind if they see a lot of activity. Wait until you have closed on purchases.

TIP! Have your terms well-defined before you apply for a mortgage loan to help you keep your budget on track. This means you should have clear limits on what your monthly payments will be so you can base it on what you’re able to afford.

Don’t give up hope if your loan application that’s denied. Different lenders have different requirements for giving loan qualification. This makes it a good idea to apply to a bunch of different lenders to get what you wanted.

TIP! If you’re thinking of getting a mortgage you need to know that you have great credit. The lenders will closely look at your credit reports.

Do not let a single mortgage denial keep you from getting a mortgage. One lender does not doom your prospects.Keep shopping and explore all of your possibilities. You might need someone to co-sign the mortgage that you need.

TIP! The value of your property may have increased or decreased since you got your original loan. There are many things that can negatively impact your home’s value.

The interest rate will end up spending on your payments. Know what you’ll be spending and how increases or decreases affect your monthly payment. You could pay more than you want to if you are not careful with interest rates.

Try to keep balances down below 50 percent of your credit limit. If you can get them under thirty percent, shoot for lower than 30 percent of available lines.

TIP! If you are timid, hire a mortgage broker. A consultant looks after only your best interests and can help you navigate the process.

Balloon mortgages are the easier ones to get approved. This type of loan is for a shorter length of time, with the balance owed due at the loan’s expiry. This is a risky due to possible increases in rates or your financial situation can get worse.

TIP! If your mortgage spans 30 years, think about chipping an additional monthly payment. That additional money will go towards the principal on your loan.

Adjustable rate mortgages don’t expire when their term ends.The rate is adjusted to the rate at the application you gave. This means the mortgage could have a higher interest rate later on.

TIP! Brokers would prefer to see small balances on a few different cards than one huge balance on a single line of credit. Try to have balances that are lower than 50 percent of the credit limit you’re working with.

Learn how to avoid shady home mortgage lender. Avoid the lenders who talk smoothly and promise you into a deal. Don’t sign any documents if rates are just too high.Avoid lenders that claim bad credit score is not a problem. Never use a lender who tries to tell that lying on the mortgage application is acceptable.

Many sellers just want out and will help you out.You will then need to make two payments every month, but this will enable you to get a mortgage.

TIP! Think beyond banks in terms of mortgage opportunities. For example, you can borrow money from family, even if it just goes towards your down payment.

Speak to a broker and ask them questions as needed. It is essential that you know exactly what is going on. Be sure the broker has your current contact details. Look at your email frequently in case they need certain documents or new information.

TIP! Keep your credit cards in your name to a minimum prior to buying a house. Carrying a ton of credit cards, even if there is no debt being carried there, can make you look like a risk to the lender.

You must make sure that you keep your credit to get a decent loan. Know your credit score is.Fix any mistakes in your own credit reports and keep working to raise your score. Consolidate your debts so you can pay less interest charges and more towards your principle.

Credit Report

TIP! When you’re about to begin the mortgage process make sure that all of your financial information is in good working order. Mortgage lenders want clients with great credit.

Make sure your credit report is in good order before applying for a loan. Lenders and banks are looking for great credit. They need to have reassurance that you are actually going to repay the loan. Tidy up your credit report before you apply.

TIP! Decide on your price range before you apply to a mortgage broker. You’ll get a little buffer room if you get approved for higher than you can actually afford.

A seller may accept your offer if you have a home. It demonstrates that you have been approved. If you are approved for a larger amount, the seller may hold out for a higher offer.

TIP! When you are considering a home mortgage, and want it to be a good experience, you should shop and compare brokers. You will want to get the best interest rate possible.

Check out the BBB prior to selecting a mortgage broker that you may be working with. There are predatory brokers that can trick you into a higher-fee agreement. Be wary of brokers who expects you to pay extremely high fee or a lot of points.

TIP! If you know you will be looking into getting a mortgage soon, establish a trustworthy relationship with the financial institution you want to use. Try taking out a microloan for something small, like furniture, and repay it before you try to get a mortgage.

You will never get a better interest rate if you simply ask for one. Your mortgage can be paid off more quickly if you do not have the courage to ask.

TIP! Posted rates are not set in stone. Find a competitor which offers a lower rate and let the bank know your plan is to go with them – you’ll get all of the features you like at the bank without the high posted rate you can’t afford.

You should be aware that lenders ask for many different types of paperwork from you. Be sure to have your papers in order to facilitate the process go smoother. Also be sure the documents you provide are complete. This can be sure that the process will go smoothly.

Some lenders offer better deals than those offered to first-time customers.

Check out the resources available at your local public library on the home mortgages. Your library should have a free to look at.

TIP! You can find information about home mortgages online and at your local library. Your library should have a few and they are free to look at.

Time is an issue when you get your home mortgage offer from a broker or bank. The real estate market can alter very quickly.The loan you’re qualified for today might be invalid tomorrow.

Learn about the closing costs before even applying. This sort of fee might come upfront or added into your interest payments. It’s not always good either way.

Some things have to be the same when you close and others are allowed to be altered.

TIP!

Get all offers in writing to lock it in. It can take several weeks or even months to get your loan papers processed and finalized. Getting your rate guaranteed in writing will prevent your rate from going up while you wait.

TIP!

Now that you have more information about mortgages, put yourself out there. Apply this advice to make the process easier. All that is left to do is for you to find a mortgage lender and to use the advice given to you.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Tips On Getting The Most Out Of Your Home Mortgage

TIP! Prepare for your home mortgage in advance. In order to get approved for a home mortgage, you must have your entire financial situation in order.

Home ownership is a dream that many adults.To navigate the financial thicket involved in securing a home mortgage, you need to put in the time to research the whole process. The following article shares helpful tips to guide you through this process.

TIP! Even if you are underwater with your mortgage, the new HARP regulations can help you get a new loan. Lots of homeowners failed at their attempts to refinance underwater loans in the past; this new program gives them an opportunity to change that.

New rules under HARP could let you apply for a brand new mortgage, even if you owe more than what your home is worth. This new opportunity has been a blessing to many previously unsuccessful people to refinance. Check to see if it could improve your situation; it may result in lower payments and a higher credit benefits.

TIP! Line up your budget appropriately, so that 30 percent or less of your income goes to the mortgage. Paying a lot because you make enough money can make problems occur later on if you were to have any financial problems.

If you’re working with a home that costs less that the amount you owe and you can’t pay it, refinancing it is a possibility. The federal HARP program has been adjusted to permit more people that own homes get that home refinanced no matter what their financial situation is. Speak with your mortgage lender to find out if this program would be of benefit to you. If your lender won’t help you, make sure you find someone else who will.

TIP! Make sure you have a good credit score before you decide to obtain a mortgage. Lenders consider how much risk they are taking on you based on your credit report.

Make certain your credit rating is the best it can be before applying for a mortgage. Lenders will study your credit history to make sure that you’re reliable. If your credit is bad, do whatever you can to repair it to avoid having your loan application denied.

There are government programs that can offer assistance to first-time home buyers.

Educate yourself on the home’s history of any prospective property. You should understand just how much the property taxes will be before buying a home.

Make extra payments if you can with a 30 year term mortgage.The additional payment is going to go toward the principal.

TIP! Check out several financial institutions before you pick one to be the lender. Investigate their reputations and feedback, both within your immediate social circle and on the Internet.

What kind of mortgage do you require? There are different sorts of home loans. Knowing about these different loan types can help you make the best decision for your situation. Speak with your lender about mortgages that are available to you.

TIP! If you struggle to pay off your mortgage, get help. If you get behind on making payments, or if you are really struggling to meet them on-time, look into mortgage counseling.

Minimize your debts before attempting to purchase a home. A home mortgage will take a chunk of your money, no matter what comes your way.Having minimal debt will make it that much easier to get a home mortgage loan.

Avoid Lenders

TIP! If you want to get an easy loan, try applying for a balloon mortgage. This loan has a shorter term, and the balance owed on the mortgage needs to be refinanced when the term of the loan expires.

Learn some ways you can avoid a shady home mortgage lender. Avoid lenders that are trying to smooth talk their way into a deal. Don’t sign things if you think the rates are too high. Avoid lenders that claim bad credit. Don’t work with any lender who says lying is okay either.

TIP! When you have a mortgage, attempt to pay more of the principal than you need to every month. This helps you pay the mortgage off faster.

Avoid mortgages that has a variable interest rates. The payments on these mortgages is that they mirror what is happening in the interest rate. This could lead to you to not be able to make your payment.

TIP! If you struggle to get a type of mortgage from a credit union or bank, try going with a broker. Many times a broker is able to find a mortgage that will fit your circumstances better than traditional lenders can.

Many sellers just want out and will help you out.This means that you must make a total of two payments each and every month, but you would have the mortgage.

TIP! Learn what all goes into getting a mortgage in terms of fees. You’ll be shocked by how many there can be! It can be quite confusing and annoying.

You need excellent credit it up if you want a home loan. Know your credit score is.Fix mistakes in your report and keep working to raise your score. Consolidate your debts so you can pay less interest charges and more towards your principle.

Credit Report

TIP! When you’re trying to get a home mortgage that’s good, you should think about comparing all the brokers you come across. Obviously, a good interest rate is where you want to start.

Make certain your credit report looks good order before applying for a mortgage loan. Lenders want customers that have great credit.They want to make sure they will repay your loan. Tidy up your credit report before you apply.

TIP! If you think a better deal on your loan is available, wait until you get that deal. There are actually certain months and seasons where getting a loan is better for you.

A seller may accept your offer if you have a home. It shows your finances have been reviewed and you are ready to go. If it shows a higher amount, then the seller is going to expect more.

TIP! Always speak with people and tell them the truth. Always tell the truth when applying for a mortgage.

Avoid things that may alter your financial situation until after your loan closing. The lender is probably going to look at your score again before making the final loan terms. They may rescind their offer if you apply for a new credit card or take on a new car payment.

TIP! Negotiate your interest rate with your lender by knowing the current interest rates offered by others. You will see that nontraditional financial institutions sometimes offer lower interest rates than do traditional banks.

If you have no credit, you need to take extra steps in order to secure a loan. Keep all your receipts for a year. This will show that you prove yourself to a lender.

TIP! If you want a better mortgage rate, you should ask for a better rate. You won’t get your home loan paid off if you lack courage.

The best way to get a low rate with your current lender is by checking out what other banks are offering. Many lenders have lower interest rates than what a traditional bank will. You can use this information to motivate your lending institution that you are shopping around in order to see if they will give you more favorable terms.

TIP! Check out home mortgage information books at your local library. Your library should have a few and they are free to look at.

You should be aware that the lender is going to request a lot of documentation from you. Be sure to have your papers in order to facilitate the process easier. Also be sure the documents you provide all parts of each document. This can make the whole process much smoother for all parties involved.

TIP! Don’t deposit funds into your personal bank account if their origin cannot be explained. Lenders will inquire about any large amounts.

Save as much money before applying for a home mortgage. You will probably have to pay at least 3.5 percent down. You will have to pay the private mortgage insurance if your down payments of less than 20%.

TIP! Ask the seller if they are willing to finance the home. Sometimes, homeowners will directly finance you.

Keep in mind that brokers make more money off of fixed rate products than they do from variable rate. They may emphasize the possibility of rate hikes to steer you into taking a locked in option. Avoid this fear by demanding your own terms.

TIP! Before you apply to work with a lender, your credit should be worked on so that it looks great. This requires on-time payment of bills and eliminating debt as soon as possible.

As previously mentioned, it can be a challenge to fully understand the mortgage process. You must, however, try to learn the ins and outs if you want to feel good about the process. The advice in this article is a great start, but be sure to read more before you move forward.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Great Tips To Help You With Home Mortgages

TIP! Start preparing for the home loan process early. Get your budget completed and your financial documents in hand.

Have you found yourself looking at homes wondering how you can afford a home? Are you unfamiliar with the various home mortgage options available to buyers? It doesn’t matter what brought you to this article, but you can still use the suggestions in the article that follow to get a better understanding of home mortgages.

TIP! Pay down your current debt and avoid gaining new debt while going through the mortgage loan process. When debt is low, the mortgage offers will be greater.

Pay down the debt that you already have and don’t get new debt when you start working with a mortgage. High debt can doom your application to be denied. Carrying debt is going to cost you financially because your mortgage rate will be increased.

TIP! Bring your financial documents with you when you visit lenders. In the event that you arrive without sufficient documentation of your current earnings and other relevant information, you may quickly be dismissed, and asked to return when you do have everything in hand.

If you are underwater on your home and have been unable to refinance, try refinancing it again. The HARP program has been re-written to allow homeowners to refinance no matter what the situation. Speak to your mortgage lender to find out if this program would be of benefit to you. If your lender won’t help you, you should be able to find one that will.

TIP! If your financial situation changes, you may not be approved for a mortgage. Do not attempt to get a home loan unless you have a stable job.

Make sure that you collect all your personal financial paperwork on hand before meeting a mortgage lender. The lender is going to need to see bank statements, proof that you’re making money, and other documentation of assets. Being organized and having paperwork ready will help speed up the application process.

TIP! Get all your financial papers in order before talking to a lender. Lenders want to see bank statements, income documentation and proof of any other existing assets.

Educate yourself on the tax history when it comes to property tax. You want to understand about how much you’ll pay in property taxes will be before buying a home.

Interest Rate

TIP! Do not let a denial keep you from trying again. Just because one company has given you a denial, this doesn’t mean they all will.

Search for the most advantageous interest rate you can find. The bank’s goal is locking you to pay a very high interest rate. Don’t be the person that is a victim to this type of this. Shop around at other financial institutions so you have several options to pick from.

TIP! Ask family and friends for advice when you are searching for a home mortgage. They’ll probably give you some useful tips.

Do not let a single denial prevent you from getting a mortgage. One lender’s denial does not represent them all. Shop around and consider your options are. You might find a co-signer can help you get the mortgage.

Try to have balances that are lower than 50 percent of the credit limit. If you can, shoot for below 30%.

TIP! Try to pay down your principal every month on your loan, on top of your normal payment. This will help you pay down your loan more quickly.

Do some research on your homework about any potential mortgage lender prior to signing on the bottom line. Do not just assume your trust in the mortgage lender. Look on the Interenet. Check with the BBB website.You must learn all that you can save money.

TIP! If you are having a problem getting a mortgage from a bank or credit union, try working with a mortgage broker. A broker may be able to locate a mortgage that is suitable for you.

After you have your mortgage, work on paying extra money to principal every month. This lets you get the mortgage loan much faster. Paying as little as an additional hundred dollars a month could reduce how long you need to pay off the term of a mortgage by 10 years.

TIP! Cut down on the credit cards you use before you get a house. Having too many, even if they have no balance, can make it seem as if you’re financially irresponsible.

Your mortgage doesn’t just have to come from a bank.You may also check out credit unions as they often have a lot of good rates on offer. Think about all the options when looking for a home mortgage.

TIP! The mortgage interest rate you secure is vital, but there are other factors to consider. Fees tend to vary from lender to lender.

Avoid mortgages that have variable interest rate. The payments on these mortgages is that they mirror what is happening in the economy; you may be facing a mortgage that’s doubled soon because of a changing interest rate. This could lead to you to not be able to make your payment.

TIP! If you want a home loan, you might want one that gives you the ability to make bi-weekly payments. This causes you to pay two additional payments a year and lowers the interest amount you pay and shortens your loan term.

A high credit score is important for getting the best mortgage rate in our current tight lending market. Check your credit report from the 3 bureaus to make sure there aren’t any errors. Many banks are avoiding scores under 620.

TIP! The right way to get a low rate is to comparison shop. You will see that nontraditional financial institutions sometimes offer lower interest rates than do traditional banks.

Speak with a broker for information about things you do not understand. It is important for you know what’s happening. Be sure and leave all your current contact you. Check your email on a regular basis to see if the broker needs more information.

TIP! Switch lenders cautiously. A lot of lenders give loyalty discounts with better rates.

If you have plans to purchase a home within the next year or so, start to build a strong relationship with your bank. You could take out a small loan and pay it off before you apply for a mortgage. This gives you a good standing with them ahead of time.

TIP! Check out some books from the library on mortgages. A library is a free resource and there is no harm in knowing as much as you can about the home mortgage purchasing process.

Always tell them the truth. It is a terrible idea to lie when applying for mortgage financing. Do not over or under report income and your debt. This may result in you obtaining more debt that you cannot pay. It may seem like a good idea now, but after a while it won’t work out so well.

TIP! Do not place any large amounts of untraceable money into your bank account. Lenders who see such deposits must make inquiries to guard against illegal laundering.

The only way to get a better rate on your mortgage is to ask. Your mortgage can be paid off more quickly if you’re scared to ask for a better rate.

Many lenders offer loyal customers better rates and terms than those who are new to the company.

Ate Mortgage

TIP! Before choosing your dream home, get pre-approved for a home loan. Do not let yourself fall for a home that you are unable to afford.

Keep in mind that a mortgage broker you deal with will get a much bigger commission on a fixed-rate mortgage than a variable-rate mortgage. They may emphasize the possibility of rate hikes to steer you into taking a locked in option. Avoid this by understanding the true terms and taking your mortgage out based on the facts.

Never use a broker that approaches you via email or phone.

TIP! Fees often make refinancing a waste of time. If you currently have a low rate, refinancing for a quarter of a percent will never make sense.

Always bring in an inspector who is independent to come check out your home. The inspector that is the lender is only out for their best interests.It’s all about trust, so if your lender laughs at the idea, it will serve your interests better if an independent person inspects the property.

Whether it is the terms of the mortgage or the rate offered, it needs to be in writing or it won’t mean squat.

TIP! Take some time and do your shopping. Getting a mortgage is not an overnight process.

Work on your credit before you apply for a loan. This entails paying bills and paying debt as soon as possible. These two things make a big difference in what kind of deal you are serious about your credit.

TIP!

If you were looking for information on home mortgages or looking for the right one that will suit your particular situation, then the previous article should have given you a good foothold to find the information pertinent to your situation. Anyone can get into the home they’ve always wanted. Use these tips wisely whenever you are in search of that dream home.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Ways To Find The Best Home Mortgage Rate

TIP! Have all financial documentation organized before applying for a loan. Having the necessary financial documents such as pay stubs, W2s and other requirements will help speed along the process.

Home ownership is a dream that many adults.To understand how mortgage lending works, you should take time to fully gather in as much knowledge as you can. The article is packed with helpful tips to guide you through this process.

TIP! Regardless of your financial woes, communicate with your lender. You may feel like giving up on your mortgage if your finances are bad; however, many times lenders will renegotiate loans rather than have them default.

Get pre-approved for a mortgage to get an idea of how much your monthly payments will be. Comparison shop to get an idea of your eligibility amount in order to figure out what you can afford.Once you have everything figured out, you will have a better understanding of the expenses involved.

Don’t buy the maximum amount for which you are approved for. Consider your income and habits to figure out how much you need to be able to afford.

TIP! Before you apply for your mortgage, be sure you’re in possession of all the documents that are necessary. Such documents are pretty standard among lenders.

Pay down the debt that you already have and don’t get new debt when you start working with a mortgage. A high level of debt could cause your loan to be denied.Carrying debt could cost you a bunch of money by increasing your mortgage rates.

TIP! Before you attempt to get a mortgage, it is wise to have a budget in mind. This way you aren’t stuck agreeing to something that you cannot handle in the future.

New rules under HARP could let you apply for a brand new mortgage, even if you owe more than what your home is worth. This new program allowed many who were unable to refinance before.Check to see if it could improve your situation; it may result in lower monthly payments and a higher credit benefits.

Pay Stubs

TIP! Just because you are denied once doesn’t mean you should lose hope. Just because one company has given you a denial, this doesn’t mean they all will.

Have available all your documents carefully collected and arranged when you apply for a loan. These documents are the ones most lenders want when you apply for a mortgage. These documents include prior year tax returns, pay stubs, and recent pay stubs.The whole process goes smoother when your documents are all in order.

TIP! Before deciding on a lender, evaluate other financial institutions. Check out reputations with people you know and online, along with any hidden fees and rates within the contracts.

You should pay no more than 30 percent of your mortgage. Paying a mortgage that is too much can make problems in the future.Keeping your payments that are manageable helps you to have a good budget in order.

TIP! If you’re having difficulties with your mortgage then seek help. See how credit counseling can help you if your are behind on your mortgage.

This usually includes closing costs as well as whatever fees you are responsible for. Most lenders will be honest about the costs, but a few do sneak in charges that you don’t discover until the deal is done.

TIP! Get rid of as many debts as you can before choosing to get a house. Your home mortgage can easily be your biggest single expense in life, so make certain that you’re able to consistently make the monthly payments, regardless of your luck.

The interest rate is the single most important factor in how much you will end up spending on your mortgage payments. Know what you’ll be spending and how they will change your loan. You might end up spending more than you can afford if you don’t pay attention.

TIP! Balloon mortgages are among the easier ones to get approved for. This type of loan is for a shorter length of time, and the amount owed will need to be refinanced once the loan term expires.

Determine what kind of mortgage you want. There are different types. Knowing about different loan types of mortgages and comparing them makes it easier to decide on the best decision for you. Speak to your lender about mortgages that are available to you.

TIP! A shorter loan term is often considered superior to a longer term, even if your monthly payments are higher. These loans have a shorter term, giving them lower interest and a higher monthly payment.

Do your homework about any potential mortgage lender prior to signing on the bottom line. Do not just assume your lender you know nothing about. Look on the Interenet. Check with the BBB website.You should have to know as much as possible before undertaking the loan process so you apply.

TIP! Honesty is your friend when it comes to applying for a mortgage. If the words out of your mouth are anything but truthful, you risk a loan denial.

Once you get a mortgage, you should pay a bit above the interest every month. This will help you repay the mortgage loan paid off quicker. Paying as little as an additional hundred dollars a month on your loan can actually reduce how long you need to pay off the loan by ten years.

TIP! If you do not have a good credit score, try saving as much as possible for a large down payment on your mortgage. While most home buyers make a three to five percent down payment, you may need to increase your down payment to twenty percent to guarantee approval for a mortgage.

Learn ways to avoid a shady home mortgage lender. Avoid smooth talkers or lenders who talk smoothly and promise you the world to make a deal. Never sign loan documents with unusually high interest rate is way too high. Avoid lenders that claim bad credit. Don’t work with anyone who suggest lying on any applications.

TIP! When searching around for a beneficial home mortgage, look over all the criteria from the different lending institutions. You will want the best interest rate.

Learn what the fees and costs associated with getting a home loan. There are quite a lot of things that can go wrong when you’re trying to close out on a home. It can make you feel overwhelmed and annoying.But with some homework, this will better prepare you for the process.

TIP! Think about a mortgage that will let you make payments bi-weekly. This makes it so you get two additional payments made per year, which produces massive savings on interest.

A good credit score is important for getting the best mortgage rate. Get your credit scores from the three big agencies and check it over for mistakes. Banks usually avoid consumers with a score of less than 620 today.

TIP! A seller may accept your offer if you have a loan approval in hand. It shows that you have already undergone a great deal of financial security and have received approval.

Many sellers just want to make a quick sale and they can help. You will need to make a two payments from then on, but it can get you the mortgage you want.

TIP! In order to get a great deal with your lender, see what other lenders offer. A lot of online institutions offer lower rates.

As previously mentioned, it can be a challenge to fully understand the mortgage process. The top key for success is taking the time to learn about all the secrets that go into the process. Combine what you have learned from this article with Internet research and reading to get the best deal you can.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Excellent Advice About Home Mortgages That You Will Want To Read

TIP! More than likely, you’ll need to come up with a down payment. Although zero down payment mortgages were available in the past, most mortgage companies make it a requirement.

Do you need to find a new home mortgage? Do you know what is required to qualify for one? Have you suffered through denials and now you want to improve your situation?It makes no difference why you are here, this article has the tips you need.

TIP! Make a budget to define exactly how much you are willing to pay each month towards your mortgage. This will require setting realistic boundaries about your affordable monthly payments based on budget and not dreams of what house you get.

Prepare for your mortgage well in advance. Get your finances in order. You need to build up savings and make sure your debt. You may not be approved if you wait.

TIP! You should plan to pay no more than thirty percent of your monthly income toward a home loan. Otherwise, you run the risk of putting yourself into a financially devastating situation.

Before applying for your mortgage, check your credit report to make sure that there are no errors or mistakes. The ringing in of 2013 meant even stricter credit standards than in the past, so improve your credit rating so that you have the best chance to get qualified for the best loan products.

TIP! Make sure your credit is good if you are planning to apply for a mortgage. Lenders will check your credit history carefully to determine if you are any sort of risk.

You should have a stable work history in order to get a home mortgage. Many lenders insist that you show them two years of regular employment before approving a loan. Changing jobs can lead to mortgage denials. You should never want to quit your job during the application process.

TIP! Do your best to pay extra toward the principal of your mortgage each month. This lets you repay the loan much faster.

If you haven’t been able to refinance your house because you owe more on it than what it is really worth, try again. The HARP has been revamped to let homeowners refinance their home regardless of how underwater they are. Speak to your mortgage lender to find out if this program would be of benefit to you. If your lender is still not willing to work with you, you should be able to find one that will.

You should pay more than 30 percent of your mortgage. Paying a mortgage that is too much can make problems in the future.Manageable payments leave your budget.

TIP! Consider a shorter term of 20 or 15 years for your mortgage if you are able to handle a higher monthly payment. Loans with a shorter term have lower rates with higher payments, but get paid off quicker.

Don’t despair if you have a loan application that’s denied. Every lender has different criteria for being qualified for a certain barrier you must pass through to get your loan. This is why it’s always a good idea to apply to a bunch of different lenders to get what you wanted.

TIP! Be sure to be totally candid when seeking a mortgage loan. If the words out of your mouth are anything but truthful, you risk a loan denial.

Think about finding a consultant for help with the mortgage process. A home loan consultant looks after only your best interests and can help make sure you get a good deal. They will also make sure that you’re getting a fair deal from everyone involved in the process.

TIP! Look online for mortgage financing. While many were previously physical locations, this isn’t the case anymore.

This should have all of the closing costs and other fees. Most companies are happy to share this information with you; however, but a few do sneak in charges that you don’t discover until the deal is done.

TIP! Make sure your mortgage broker answers any questions you have about anything you do not understand. It is really essential that you always understand what goes on.

The interest rate will have an impact on how much you eventually pay for the home. Know about the rates and how increases or decreases affect your loan. You might end up spending more than you want to if you are not careful with interest rates.

TIP! Before applying for a mortgage, settle on just how much you’re willing to spend. If you are approved for a bit more, you’ll have some flexibility.

Balloon mortgages are among the easiest loans to get approved for. This loan has a shorter term, and one that requires it to be refinanced after the expiration of the loan term. This is a risky loan to get since interest rates or detrimental changes to your financial health.

TIP! After your loan has gone through, you might find yourself tempted to let loose. Avoid things that may alter your credit score before your loan closing.

Do some research on your homework about any potential mortgage lender prior to signing on the bottom line. Don’t just blindly trust in whatever they tell you. Look on the Interenet. Check out lenders at the BBB. You should have the right information so you can save money.

Avoid Lenders

TIP! Be straightforward. When it comes to getting financing for a mortgage, you should never lie.

Learn some ways you can avoid being taken in by less-than-honest home mortgage lenders. Avoid lenders who talk you the world to make a deal. Don’t sign any documents if you think the rates are too high. Avoid lenders that claim bad credit. Don’t do business with anyone who says lying is okay either.

TIP! You don’t need to rework your entire file if you’ve been denied by a lender; you can simply move on to the next lender. Avoid making any changes.

If you think you can afford to pay a little more each month, consider taking out a 15 or 20 year loan instead. These loans have lower rate of interest rates and monthly payments that are slightly higher in exchange for the shorter loan period. You are able to save thousands of dollars over a traditional 30 year mortgage.

TIP! Talk to the BBB before making your final decision. Some brokers have been known to charge higher fees in order to make more money for themselves.

Given your new understanding of the process, you ought to be ready to secure your loan. Approval isn’t hard to get, but providing what lenders want to see will ensure you get good terms as well. Thankfully, you can use what you’ve gone over here to help you in this situation.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Everything You Need To Know About Home Mortgages

TIP! Start preparing for home ownership months before you are ready to buy. If you’re thinking about getting a new home, your finances need to be in tip top shape.

Don’t get burdened with looking for a mortgage provider. If the process seems overwhelming, you should probably search for information. This article provides some helpful tips to get you when deciding on your path toward choosing the best mortgage lender.

TIP! It is important to get pre-approved for you home loan before you start looking at properties. Shop around some so you can see what you can be spending on when getting this kind of a loan.

Start the home loan process early. Get your financial business in line before beginning your search for a home and home loan. You need to build substantial savings and any debt level is reasonable. You may not be approved if you wait.

TIP! Prior to applying for a mortgage, you need to know what is in your credit report. In 2013 they have made it a lot harder to get credit and to measure up to their standards, so you have to get things in order with your credit so that you can get great mortgage terms.

Many homeowners may give up on their home because they do not understand that they still may have options to renegotiate the terms of your loan.Be sure to call the mortgage holder.

TIP! Create a budget so that your mortgage is no more than thirty percent of your income. You can run into serious trouble down the road if financial problems arise.

If you’re working with a home that costs less that the amount you owe and you can’t pay it, keep trying to refinance. The HARP initiative has been rewritten to allow homeowners to refinance no matter what the situation. Speak to your mortgage lender to find out if this program would be of benefit to you. If your lender still refuses to cooperate with you, find one who will.

TIP! Get your financial documents together before visiting a lender. Your bank statements, tax returns and proof of income are needed by your lender.

You will more than likely have to put down payment on your mortgage. In years gone by, some lenders didn’t ask for down payments, most do require a down payment now. Ask how much the minimum is before you submit your mortgage payment.

TIP! Find an interest rate that the lowest possible. The bank’s goal is locking you into a high rate.

Know the terms you want before you apply for a home loan and keep your budget in line. No matter how good the home you chose is, if it makes you unable to keep up with your bills, you will wind up in trouble.

TIP! Prior to signing a refinance mortgage, request for all the details to be in writing. This ought to encompass closing costs and other fees.

Make sure that you have all your personal financial documentation prior to meeting with a home lender. The lender is going to need income proof, banking statements, and every other financial asset you have in document form. Being organized and having paperwork ready will help speed up the process of applying.

TIP! Talk to friends and family to get mortgage advice. It is likely that they will offer advice in terms of what to keep watch for.

This ought to encompass closing costs as well as any other fees. Most companies share everything, there are lenders that may try to include hidden charges in your closing costs.

TIP! Before picking a lender, look into many different financial institutions. Ask friends or look online.

Ask loved ones for recommendations when it comes to a home mortgage. It may be that they will offer advice about the pitfalls to avoid. You may be able to benefit from negative experiences.

TIP! If you want to get an easy loan, try applying for a balloon mortgage. It carries shorter terms and will require refinancing when the loan expires.

The interest rate determines how much you will have have a direct effect on your payments. Know about the rates and how increases or decreases affect your loan. You might end up spending more than you want to if you are not careful with interest rates.

TIP! If credit unions or banks have turned you down, consider a home loan broker. Mortgage brokers often are able to obtain financing other lenders cannot obtain.

Try to have balances that are lower than 50 percent of the credit limit. If you are able to, balances that are lower than 30 percent of the credit you have available work the best.

TIP! Make sure your credit looks good in advance of trying to secure a mortgage. To get qualified for a home loan in today’s market you will need excellent credit.

Determine which type of mortgage you want. There are several different sorts of mortgage loans. Knowing about different loan types of mortgages and comparing them makes it easier to decide on the type of mortgage appropriate for you. Speak to lenders as possible to find out what all of the available options when it comes to your loan.

TIP! While you want to focus on the rate that you get with a home loan, there are other things to focus on as well. Pay attention to all fees that come with any lender’s loans.

Balloon mortgages are among the easiest to get. This is a short-term loan option, with the balance owed due at the loan’s expiry. This is a risky loan to get since interest rates can change or detrimental changes to your financial situation can get worse.

TIP! When you are looking for the best home mortgage, be sure to compare brokers point by point. You will want the best interest rate.

Research potential mortgage lenders before you agree to anything. Do not just take what your lender says without checking things out. Look on the Interenet. Check out lenders at the BBB. You should have to know as much as possible before you can be prepared to secure favorable loan terms.

TIP! The most effective way to get the best mortgage rates is to look into what’s available on the open market, and then negotiate agreeable terms with the lender you already have. A lot of financial institutions, particularly those solely online, offer rates lower than more traditional banks.

Adjustable rate mortgages or ARMs don’t expire when their term is up. The new mortgage rate is adjusted accordingly using the rate on the application you gave. This could result in the mortgagee owing a much higher interest rate later on.

TIP! Check out the BBB before picking a mortgage broker. Predatory brokers can con you into paying exorbitant fees.

Once you have your mortgage, you should pay a bit above the interest every month. This will help you to reconcile the mortgage off much faster. Paying as little as an additional hundred dollars a month could reduce how long you need to pay off the term of a mortgage by 10 years.

TIP! Posted rates are not written in stone. Shopping around for a better rate can allow you to negotiate a better deal with the right options from the bank you want.

Consider more than the typical bank when it comes to searching for a mortgage. You may also check out credit unions as they have a lot of good rates usually. Think about all the options available when choosing a good mortgage.

TIP! Ask about which documents you need to present before you go in to a lender to apply. Getting all paperwork in order before visiting a lender can help the process run smoothly.

Think about applying for a home mortgage that lets you pay every 2 weeks. This will let you make extra payments and reduce your overall interest. It is a great if you are paid once every two weeks since payments can just be taken right from your account.

Do not hesitate to wait for a more advantageous loan terms. Certain times will give you better loans than others. Waiting is often your own best option.

TIP! Look into financing options that the seller may have. You can find homeowners who are willing to offer financing for their home.

Check out the Better Business Bureau before picking a mortgage broker. Some brokers have been known to charge higher fees in order to make more money as they can before they take the house back. Be careful when you’re working with a broker who expects you to pay extremely high fees that you’re not able to pay.

The rates that you see posted at the bank are only guidelines and not the only rates available to you.

TIP! Do not speed through the home buying process. If you get overly excited, then you might lose your perspective on the more critical elements of a great mortgage.

Don’t quit your job if you are in the process of getting a home loan. Your lender will be informed of any job and this could cause a big delay.

TIP! You should ask for a written estimate of expected closing costs and broker fees, but remember that these numbers may change. Some of these items may vary slightly at closing, while others are not flexible at all.

It can be quite empowering to have the right knowledge at hand. After reading this article, you have the knowledge necessary to obtain a home loan. Be confident after you make a decision, and go over every option you have before you go ahead.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Home Mortgage: Tips To Keep You Safe

TIP! Before you start looking for home mortgages, check your credit report to make sure that there are no errors or mistakes. The new year brought tighter credit standards, so improve your credit rating so that you have the best chance to get qualified for the best loan products.

You need to be educated to find the basics if you want to get the best mortgage. Do you understand what the term of a mortgage means? The information in this article will help get you ready for your home mortgage needs.

TIP! Before undertaking the mortgage application process you should organize all of your finances. Having your financial paperwork in order will make the process go more quickly.

Get your documents together before seeking a home loan. Having your financial paperwork in order will make the process shorter. The lender wants to see all this material, so getting it together for them can save time.

Your application might get denied in the final stages due to sudden changes to your overall financial standing. Make sure you apply for your mortgage.

TIP! Avoid unnecessary purchases before closing on your mortgage. Your credit score and reports are likely to get checked again in the final few days before finalization, and if there’s a spike in new activity, the lender might change their mind.

Make sure that you have all your financial paperwork on hand before meeting a mortgage lender. Your lender will ask for a proof of income, tax returns and proof of income are needed by your lender. Being organized and having paperwork ready will speed up the process and allow it to run much smoother.

Make extra monthly payments whenever possible. The additional payment goes toward the principal.

TIP! Good credit is needed for a mortgage. Lenders closely analyze credit history to minimize risk.

Ask around for information on obtaining a home loan advice. They may be able to provide you with some helpful advice that you need to look out for. You may be able to avoid any negative experiences they have had.

Try to keep your balances below half of your credit limit. If possible, shoot for below 30%.

TIP! If you are buying a home for the first time, there are many government programs available to you. There are a lot of government programs that help out with costs for closing, helping get a mortgage with a lower interest rate, or someone who can help you with your credit score.

Try lowering your debt before getting a house.A home mortgage will take a chunk of your money, no matter what comes your way.Having fewer debts will make it easier to do just that.

TIP! Try to hire a consultant to help you through the mortgage process. Mortgages can be very complex and confusing, so a consultant may be the best alternative to getting a great deal.

Consider more than the typical bank when it comes to searching for a mortgage. You can also look into credit unions that tend to offer terrific rates. Think about your options when choosing a home mortgage.

Avoid Lenders

TIP! If you have a small number of cards with low balances, your credit rating will be better and you will be a better candidate for a good home mortgage. Your credit card balances should be less than half of your total credit limit.

Learn how to avoid a shady home mortgage lender. Avoid lenders who talk smoothly and promise you the world to make a deal. Don’t sign things if rates are just too high. Avoid lenders who say a poor credit score is not a problem. Don’t work with lenders who suggest lying is okay either.

Always be completely up front and honest during the loan process.A lender will not work with you if you can’t be bothered to tell the truth.

TIP! Do a little research on the mortgage lender you may be working with before you sign anything. Don’t just blindly trust in what they say to you.

Many sellers just want to make a quick sale and they can help. You will make two payments each month, but you will be able to get a mortgage loan.

TIP! Avoid dealing with shady lenders. While many are legitimate, there are just as many that may try to take advantage of you.

Look through the internet for home loans. You no longer have to go to mortgage companies but now you can contact and compare them online. There are a lot of great lenders online that only do business on the Internet.They can be decentralized and process loans faster because they are decentralized.

TIP! Prior to closing on your home mortgage contract, you should be aware of all costs and fees involved. You will also be responsible for closing costs, commissions and miscellaneous charges.

Speak with a broker and feel free to ask questions as needed. It is essential that you have an idea about what is going on. Your broker should have all of your contact information. Look at your email frequently in case you’re asked for documents or new information comes up.

TIP! One way to look good to a lender is to have a healthy savings account before you apply for a mortgage. You’ll need the cash to pay closing costs, your down payment and miscellaneous fees.

Getting an approval letter can make the seller while showing them you are prepared to buy. It shows your finances have been reviewed and you are ready to go. If it is higher, then the seller is going to expect more.

TIP! You should look up mortgage financing on the Internet. You can find many great options on the Internet.

The right way to get a low rate with your current lender is by checking out what other banks are offering. Many lenders could offer lower interest rates than regular banks. You can use this information to motivate your financial planner in order to egg them into a better deal.

TIP! The interest rate you can secure on a mortgage is important, but it is not the only factor to consider. Look at the other fees involved, as well.

Check out the BBB site about a mortgage broker. Predatory brokers may try to trick you into paying exorbitant fees. Be careful about brokers who want you to pay high rates and too many points.

The best way to acquire a lower rate on your mortgage is to ask. Your mortgage will take longer to pay of if you just ask.

TIP! Mortgage brokers earn a commission so be aware of all the fees and expenses related to your loan. They may try to intimidate you with tales of rate hikes to get on the hook.

Be careful when signing loans that come with pre-payment penalties. If your credit is in good shape, you should be able to find a loan that allows prepayment without penalty. Having the option of pre-paying is a great way to save on interest. Don’t just give it up so quickly.

Ask about which documents are required for a loan. Getting documents together in order before visiting a lender can help the process run smoothly.

TIP! Closing costs should be discussed prior to applying for any mortgage. You don’t want to be surprised by closing costs you weren’t expecting.

To get a good mortgage, you need to find the right lender. With a good mortgage lender, you can rest assured that you are getting a great deal on your home loan. Having the right information will help you make the best decision.