Navigating the Mortgage Process: Tips to Avoid Common Pitfalls

Mortgage Pitfalls

The path to homeownership can be both thrilling and daunting. As a mortgage loan originator with 27 years of experience, I’ve witnessed firsthand the excitement and stress that often come with securing a mortgage. To help you navigate this process smoothly, I’ve compiled a list of common mistakes to avoid during the application and approval…

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FICO Credit Score: Facts vs Myths

Myth: FICO is a credit agency. Fact: FICO stands for the Fair Isaac Corporation. FICO was a pioneer in calculating credit scores based on information collected by credit reporting agencies. FICO scores drive over 10 billion credit decisions per year and is used by 90% of all lenders in the US when deciding whether to…

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Borrower Do’s and Don’ts

The Julie Payton Mortgage Team has prepared a list of common Do's and Don’ts to help ensure a seamless closing.

The journey to homeownership is often marked by excitement, anticipation, and the fulfillment of a life-long dream. It can also be fraught with potential stumbling blocks when attempting to secure a loan.

The Julie Payton Mortgage Team has prepared a list of common Do’s and Don’ts to help ensure a seamless closing.

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Step-by-Step Guide to the Mortgage Process

Whether you’re a first-time homebuyer or looking to refinance, the Julie Payton Mortgage Team is here to guide you through the mortgage process. In this step-by-step guide, we’ll walk you through each stage, from pre-approval to closing, and how we partner with you to make your homeownership dreams a reality. Step 1: Pre-Approval Before you…

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