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Wednesday, February 27, 2008

Homeowner loans

A couple of years ago I was convinced (I'm not going to say by who) to re-finance my home loan. That ended up being a stupid decision because I had a VA loan that had a fixed interest rate of a little over 4 percent. The loan was refinanced to an adjustable rate mortgage and, unfortunately, I didn't know that at the time.

(Okay, my own person sidebar is to never let someone convince you to do something when you're not on your Ps & Qs. Not to make excuses, but I was pregnant and just wanted to be left alone!)

Now as my mortgage payment continues to creep up I am getting a little concerned. I mean, let's face it, given my current marital and financial situations that doesn't put me in the best of positions.

So, whether you're trying to get your first home or interested in re-financing make sure you do the research and secure a loan that's right for you. Choosing Homeowner Loans can be a daunting task, but it doesn’t have to be. You have to consider how long you want the loan for, if you can handle the payments and what loan amount you want to get.

Good luck.
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