Credit
Interest Rate vs. APR
When you’re shopping for a loan, the first thing you look at is the interest rate. It’s an important figure, certainly, but it should…
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How Your Credit Score Affects Your Mortgage Rate
If you’re like most borrowers, you don’t want your mortgage payments to be any larger than necessary. As a home buyer, you may be…
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Mortgage 101 for First-time Home Buyers
At Sente Mortgage, our loan officers work with borrowers at every stage of their home-owning lives, from first-time buyers to those relocating, expanding, or scaling…
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Buying a Home: Getting It Right the First Time
When it comes to exciting and challenging experiences, buying your first home is right up there near the top of the list. By…
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Understanding Income and Debt for a Mortgage
If you’re thinking about applying for a mortgage to purchase a home, you will hear certain terms over and over again: credit, credit score, debt, income. Let’s look…
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VA Loans with Questionable Credit
If you are a service member, Veteran, Reserve/National Guard member, or eligible surviving spouse, and you’re ready to buy a home, you may be…
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A Visual Guide To Paying Off Your Debt
A debt-free life is one that few of us have ever known. We all want it, so why is it so difficult to turn…
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How Do They Calculate My Credit Score?
Your credit score is calculated from many elements in your credit report. That mix of elements includes: 35% payment history 30% amounts owed 15%…
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Tackle Debts One At A Time
In the mortgage business, the topic of debt comes up constantly. Specifically clients wonder how to reduce their debt more quickly. There are many…
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