National Mortgage Company, national mortgage news.#National #mortgage #news

Buying or Selling? Call us today.

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We are passionate people who are willing to challenge the ordinary. We specialise in mortgage servicing and providing high quality residential lending solutions to our partners, customers and fast-growing network right across Australia.

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Mortgage Professional Australia Hot List 2015

Mortgage Professional Australia (MPA) Magazine has announced Steve Dover, CEO of National Mortgage Company, has made the Hot List.

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National Mortgage Company Acquires Australian First Mortgage

National Mortgage Company acquires the shares of AFM, 16th March 2015. Australian First Mortgage has announced it will merge.

National mortgage news

Privacy Act Amendments 2014

The Privacy Act amendments, including the introduction of Comprehensive Credit Reporting (CCR), took effect Wednesday 12 March 2014.

Hamilton National Mortgage Company, national mortgage.#National #mortgage

Don’t wait! Find out about all of your options today!

It’s a great time to purchase or refinance, so let us walk you through the whole process. It’s easy!

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What We Offer

Great customer service

At Hamilton National Mortgage Company we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

Superior loans and mortgages

We work with multiple lenders and we are able to provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Clients come first

We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

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What Clients Say About Us

“The process was quite simple and was mostly web-based. Mike Barili was quite responsive and kept me updated via email and phone. I am expecting to close on the refinance next week. Hamilton National kept to their expected timeline.”

“I am very pleased. Paid no origination fees because I mentioned Zillow and all other fees were fair and minimal. All went quite smoothly and quickly from the first email and call to the closing. Got 3.375% when everybody else was quoting 3.75% or more. Go with a direct lender organization like Hamilton. Stay away from big bank places like Wells Fargo, Chase and Citibank. They will take advantage of you from start to finish. ”

“Everything went very smoothly and easily. My settlement company said that working with Hamilton National was very good and everything was received promptly and without any problems. I would definitely refinance through Hamilton National again and I certainly will recommend Brad Norris. It was a pleasure working with him. He made everything so straight-forward and easy to accomplish. I had not refinanced using an online application before, but it was a breeze. Kris Wilkins was also a pleasure to work with. Thank you again for such a positive refinance experience.”

“Refinanced through this co. four or five times over the years. I was nervous the first time because their rate is always so much lower than everywhere else. But the company is legit and I don’t use anyone else now. Thanks again”

“I spoke to Brad Norris about refinancing, and he was helpful and patient walking me through my options. He was extremely responsive to email questions – answering most within a few minutes. We closed about 3 weeks after locking in our rate with no hiccups along the way. We got a great rate, and paid very little for it – would definitely recommend.”

“My wife and I have our own mortgage company and have been in the business since 1980. We refinanced our second home in New Jersey with Hamilton because we are not licensed there, Recommending others to a family member, friend or client could result in a nasty situation. Our experience with Jim Noyes and others at Hamilton National has been such that we would not hesitate to refer business if we could not do a loan ourselves. We were pleasantly surprised with them. If you want to deal with professionalism, which is not too prevalant these days, do yourself a favor and call Hamilton National.”

Lafayette Hill, PA

“Not only did Hamilton National have the best rates that I could find, but there were no issues throughout the process and settlement went flawlessly. I will be recommending Hamilton National to my co-workers and friends.”

Our Helpful Tools And Info

We have put together some helpful information and mortgage calculators to help answer any questions you might have.

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Loan Types

See a detailed description of different loan types and programs that will help you decide which is best for you.

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We have put together some calculators to help you make sense of the numbers.

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Questions Answers

Here we tried to answer the most important questions you may have. For more answers call 800-220-7334.

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We take pride in providing you with excellent service and appreciate the opportunity to assist you with all your mortgage needs.


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      Hamilton National Mortgage Company

      Address: 1275 Drummers Lane Suite 105 Wayne, PA 19087

      Copyright Hamilton National Mortgage Company 2017. All Rights Reserved.

    Relocation Services – Real Estate Mortgages Agents Rentals Movers, national mortgage rates.#National #mortgage #rates

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    Quick Easy Real Estate Search

    Real Estate Information

    Get home values and area information across the United States. Gain access to property for sale in your desired area. If a home is listed on the Multiple Listing Service (MLS), it will be accessible through one of our great National Relocation real estate agents.

    Compare Mortgages Loans

    National mortgage ratesCompare mortgage rates and home loan information from multiple mortgage companies and lenders. National Relocation has information on many types of different loans and programs whether you are purchasing or refinancing. Check out our different mortgage calculators and tools as well.


    Invest in foreclosures and save big bucks. We provide foreclosure listings for home buyers, investors and bargain hunters across the United States. Our real estate agents can also assist you with locating a bank owned, REO, handyman special and foreclosed properties.


    National mortgage ratesWe offer access to two types moving solutions for your move. You can get quotes from traditional movers or you can save time and money by using our auction-style market place. Where you can list your move and get bids from moving companies powered by UShip.


    Moving to a new area can be an exciting experience. However, there is no doubt you will have many questions about your new city. One of the first things you will want to do is get in contact with a licensed real estate agent, or REALTORS , who can help determine the best housing options for you.

    Home Inspectors

    Home inspections are an important part of the home buying process. It is important to get a professionally trained home inspector to do a thorough examination of your potential home to detect any existing or potential problems the property may have. Check our online directory to locate a home inspector in your neighborhood.


    When relocating to a new state it is important to get insurance to protect you and your assets. You can receive quotes from multiple insurance companies and use our different insurance tools to determine what is good for you.

    National Mortgage Professional Magazine – National Association of Mortgage Brokers, national mortgage news.#National #mortgage #news

    National Mortgage Professional Magazine

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    NAMB has paid for your complimentary print subscription to National Mortgage Professional Magazine – Click here to receive your FREE subscription!

    National mortgage newsNational Mortgage Professional Magazine is The Source for top originators and connects the mortgage professional community under various media formats. While electronic media has become a vital part of our information platform, there is nothing like the feeling of holding a magazine in your hands. In the business world, knowledge and expertise rank high in the qualities of successful professionals. A subscription to our print edition ($59.00 value) allows you to share the informative articles in our publication with your colleagues and business partners – it is literally right there, at your fingertips. Our exceptional team of industry-seasoned monthly contributors, all with meaningful expertise in their related disciplines, provide the most up-to-date news, insight and advice for today s mortgage professional.

    National mortgage newsWant to stay informed on a more local level? The contents of our state e-editions include all of the content from our national publication plus state-specific mortgage association information, including the President’s Message, which highlights local issues, such as regulatory and legislative matters, along with the state calendar of events.

    National mortgage newsStay on top of mortgage industry news and trends. The NMP Daily Email Newsletter is your source for breaking news, insights and tips. Get free access to full articles including the hottest industry headlines, featured articles and other mission critical mortgage industry stories delivered to your inbox each day.

    National mortgage newsThe NMP Mortgage News Ticker is a daily news feed that gives you a snapshot of the hottest mortgage news stories from around the web. Stay informed of the most recent headlines and blogs, all compiled into one convenient daily email.

    National mortgage newsMortgage News Network (MNN) features regularly scheduled and special event video programming with industry experts sharing insights that impact your business today and in the future. MNN provides market forecasts, proven sales and marketing strategies, interviews with industry leaders and more.

    CBC News – Disclosure vs, national mortgage news.#National #mortgage #news

    National mortgage news

    Canada’s convoluted rules for prepayment penalties cause issues for consumers, lawyer says

    Posted:Jun 19, 2017 5:00 AM ET

    National mortgage news

    Nadim Kara says he feels his mortgage lender did not give him all the information he needed to know about breaking his mortgage. Craig Chivers/CBC


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    A Toronto man is warning people to take a close look at the penalties they’ll face for breaking a mortgage before they lock in, after his paperwork didn’t include important information that would have saved him more than $10,000 in fees.

    “I was frustrated that a key piece of information hadn’t been disclosed to me,” Nadim Kara says.

    “Particularly as that piece of information wasn’t in the mortgage contract so I had done what I thought was my due diligence and you know, I read the papers. I read the contract, I called them, I check in online.”

    Mortgage contracts have to disclose all information on penalties for ending a mortgage early and how they will be calculated.

    Kara didn’t know it then, but missing from his mortgage contract was information about a little known rule — homeowners with a fixed term longer than five years can only be charged a penalty of three months’ interest if they break their mortgage after the fifth year, not the much higher interest rate differential fee.

    In Kara’s case, if he had waited just 60 more days, his penalty would have shrunk from $13,000 to $3,000.

    National mortgage news

    Nadim Kara and Tori Ingram live in Toronto with their daughter. (Craig Chivers/CBC)

    While Kara’s issue has now been resolved, he’s frustrated no one is taking responsibility and worries other Canadians may be paying higher penalties than they should be.

    In 2012, Kara and his wife moved from Ottawa to Toronto, renting out their Ottawa house, hoping it would increase in value over the years.

    By February, that hadn’t happened and they were losing money, so Kara started looking into the cost of selling — reviewing his mortgage documents and contacting his mortgage company, First National Financial, to ask about penalties for breaking his mortgage early.

    By the time the Ottawa house sold, Kara was less than two months away from the five-year mark on his mortgage — and that big reduction in penalty costs.

    The fees associated with paying out mortgages early top the list of Canadians’ complaints to the country’s banking ombudsman, according to numbers provided by the independent investigator.

    Experts say the rules, which apply to some lenders but not others, are so convoluted they leave Canadians who break or renegotiate mortgages confused and suffering from “sticker shock” when they are dinged with massive fees.

    “If I had all the information in front of me, I would have made a different decision and I think that’s the key,” Kara says.

    ‘Duty of care’ not met, says homeowner

    He found out he could have saved thousands only after the sale closed; the information was in the mortgage discharge papers provided by First National.

    “I think there’s a duty of care to your client, to walk them through the options and to be transparent. And I don’t feel that’s what happened here,” he says.

    The next day, May 2, he asked the company to refund the $13,000 penalty and charge the three-month interest fee of $3,000 instead. It initially refused and repeatedly told Kara it was “case closed.”

    “I mean we’re not buying a sweater, right? This is a multi-hundred-thousand-dollar purchase,” Kara says. “There is an inherent conflict in financial institutions, between disclosure and maximizing profit.”

    National mortgage news

    Nadim Kara says he contacted First National twice to confirm how the prepayment penalty would be calculated. (CBC)

    More than a month later, and just hours after First National learned Go Public was involved, the company changed its mind and agreed to charge Kara the $3,000 penalty.

    Refund offered

    Go Public put the issue to both First National Financial and the brokerage, Integrated Mortgage Planners.

    “After taking all circumstances into consideration, and in the interests of maintaining goodwill with this borrower, we made the decision to decrease the prepayment fee and a refund was made to Mr. Kara,” Robert Inglis, chief financial officer of First National Financial, tells Go Public in an email.

    “We concluded that our calculations had been made in accordance with his mortgage terms. Notwithstanding, we noted that written disclosure of his prepayment privileges and fees could have been made clearer by his mortgage broker at the time he entered into his mortgage,” Inglis wrote.

    The broker, Dave Larock, tells us he did verbally inform Kara and his wife of the five-year repayment rule when they signed the original mortgage documents in 2012, but couldn’t include the information in the mortgage documents because they are “system generated” and “cannot be modified.” He also says the documents meet “every standard required by the regulator.”

    Larock took the extra step of following up with Kara near the five-year anniversary of the mortgage to talk about options, but was unaware Kara had already sold the house.

    Convoluted rules cause problems

    What happened to Kara is an example of how Canada’s convoluted rules around the disclosure of prepayment penalties are causing problems, according to civil litigation lawyer Kieran Bridge.

    Most federal rules, he says, apply to banks but not private lenders like First National, which fall through the cracks.

    Bridge also says bank mortgages aren’t without problems. He’s argued successfully in cases where banks incorrectly applied complicated mathematical formulas to calculate penalties or failed to clearly disclose penalty information to homeowners.

    National mortgage news

    Lawyer Kieran Bridge is leading a class action lawsuit against CIBC over mortgage prepayment penalty disclosure. (Ken Leedham/CBC)

    Under federal legislation, banks should disclose how mortgage break penalties are calculated and how they will change over time.

    Homeowners also have certain responsibilities, he says. Many don’t pay attention to what ending their mortgages early will cost them at the time they lock in. The other issue, he says, is with the technical language used in the documents they sign.

    For example, in Kara’s case he was told his penalty would be calculated according to a method called the interest rate differential (IRD). Typically, penalties on fixed mortgages are calculated using whichever is higher, three months’ interest or IRD. With today’s interest rates, the IRD is always a much higher fee.

    “That is one of the things I looked for — what was in the paperwork that the customers were given when they entered into their mortgage? What did it say about what prepayment penalty they might have to pay and how it will be calculated?” Bridge says.

    ‘Clear direction’ needed, lawyer says

    In 2010, the federal government’s budget included a promise to standardize the calculation and disclosure of mortgage prepayment penalties. Despite those promises, not much has changed, Bridge says.

    “I think that the government does have a role here in providing very clear direction through regulation on what disclosure is required prior to these types of transactions taking place,” Kara says.

    National mortgage news

    Nadim Kara says he was not told he should wait two months before selling a house in Ottawa in order to save more than $10,000. (Craig Chivers/CBC)

    He has some advice for consumers looking to break their mortgages.

    “I think the number 1 thing I want them to know is that the first question to ask is . What are all of my options today and in the near future with respect to breaking my mortgage and how does the penalty that I will have to pay change today versus whether I wait months or years?” he says.

    “I don’t want this to happen to anyone and I really, above all, I just want other people to have this information so that they can protect themselves.”

    Submit your story ideas

    Go Public is an investigative news segment on CBC-TV, radio and the web.

    We tell your stories and hold the powers that be accountable.

    We want to hear from people across the country with stories they want to make public.

    The National Landlord Tenant Guide, national mortgage news.#National #mortgage #news

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    Senator Roger Webb Charge Tenants with Theft

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    Chicago City of Rolling Meadows

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    Screening My Tenants

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    Attleboro landlord with gun jailed

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    Attorneys fees for landlord tied to racketeering lawsuit to be paid by receiver

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    Service dog spurs court dispute between veteran and landlord

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    Legalized Pot States and Landlord Tenant Rights

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    Knoxville Affordable Housing Shortage

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    Asbury Park NJ to Tackle Short-Term Rentals AirBnB

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    Honolulu County Renter s Rights Issues

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    Family urges landlord to solve ‘aggressive’ rat infestation in Bronx apartment

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    Judge Blocks Miami s Ban on AirBnb (Short-term) Rentals

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    Fort Hayes Student Government Association Fair

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  • National Mortgage Settlement: Who Benefited, national mortgage.#National #mortgage

    National Mortgage Settlement: Who Benefited

    The National Mortgage Settlement of 2012 required that certain banks (Ally/GMAC, Bank of America, Citi, JPMorgan Chase, and Wells Fargo) provide extensive relief to borrowers in the form of loan modifications, refinancing, and even cash payouts. Read on to learn more about the National Mortgage Settlement.

    State and federal investigations into mortgage foreclosure activities revealed extensive mortgage servicing misconduct by certain banks, including:

    • robosigning (where foreclosure documents were signed by people who had no knowledge about whether the information contained in the documents was correct)
    • inaccurately notarized documents
    • improper foreclosure procedures, and
    • deceptive practices in the loan modification process (such as telling borrowers that a loan modification was imminent while simultaneously foreclosing).

    As a result of these investigations, in February 2012, 49 state attorneys general and the federal government reached a historic settlement with five of the nation s largest banks. The settlement held them accountable for the servicing violations that contributed to the mortgage crisis in this county.

    The National Mortgage Settlement provided up to $25 billion in relief to current and former homeowners.

    Who Benefited From the Settlement

    The settlement benefits were for those borrowers whose loans are owned or serviced by the following five major loan servicers:

    • Ally/GMAC/Residential Capital LLC (known as the “ResCap” parties)
    • Bank of America
    • Citi
    • JPMorgan Chase, and
    • Wells Fargo.

    To find out who your mortgage servicer is, look at your mortgage payment coupon. The company that you make your monthly mortgage payment to is your mortgage servicer (which may be different than the owner of your loan).

    Settlement applied to owner-occupied homes. The settlement applied if the loan was for an owner-occupied property that is the primary residence of the borrower.

    Fannie Mae and Freddie Mac loans were not a part of the settlement. Loans serviced by one of the servicers above, but owned by Fannie Mae or Freddie Mac, were not eligible for benefits under the settlement.

    Borrowers in Oklahoma were not covered. Borrowers from Oklahoma were not entitled to any of the relief provided for in the settlement because that state elected not to join the settlement. (Oklahoma made its own agreement with the five servicers.)

    Mortgage Relief Provided by the Settlement

    As of March 2014, all five settling banks have satisfied their consumer relief and financing obligations under the settlement. Here are some of the remedies that were provided.

    Loan Modifications for Struggling Homeowners

    The settlement provided assistance for struggling homeowners in need of a loan modification, including first and second lien principal reductions. (Lower principal balances result in lower payments, thus allowing homeowners a chance to retain their property.)

    Refinancing for Underwater Homeowners

    Homeowners who were current on payments, but whose property value was underwater (where the amount owed to the lender is more than the home s fair market value), were granted refinancing relief.

    Cash Payouts for Borrowers Who Lost Their Homes

    Homeowners who lost their homes because they were not properly offered loss mitigation options or were otherwise improperly foreclosed on between January 1, 2008 and December 31, 2011 were eligible for cash payouts from a $1.5 billion fund.

    Amount of the payout. Borrowers who submitted a valid payment claim form through the National Mortgage Settlement received a check for approximately $1,480. Checks first went out between June 10, 2013, and June 17, 2013. The initial deadline to make a claim was January 18, 2013, and the final deadline to submit a claim has now passed.

    Funding to the States

    The states that were part of the settlement received $2.5 billion to help distressed homeowners who were wronged by the banks. However, much of the money that was allocated to the states for this purpose has been redirected. Approximately 44% has been redirected to rainy day funds, budget balancing efforts, and economic development funds rather than on homeowners.

    Nationwide Reforms Required by the Settlement

    The settlement required, among other things, that the banks:

    • appoint a single point of contact for loss mitigation efforts
    • have adequate staffing levels and training
    • honor trial and permanent loan modification agreements by a prior loan servicer
    • maintain better communication with borrowers
    • comply with the Servicemembers Civil Relief Act
    • implement appropriate standards for executing documents in foreclosure cases
    • end improper fees, and
    • end dual tracking (where the bank proceeds with foreclosure while simultaneously working with the borrower on a loan modification).

    The servicing standards under the settlement were in effect until the later part of 2015, though they are now largely duplicated by the Consumer Financial Protection Bureau s servicing rules.

    National Mortgage Company, national mortgage.#National #mortgage

    Buying or Selling? Call us today.

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    We are passionate people who are willing to challenge the ordinary. We specialise in mortgage servicing and providing high quality residential lending solutions to our partners, customers and fast-growing network right across Australia.

    National mortgage

    Mortgage Professional Australia Hot List 2015

    Mortgage Professional Australia (MPA) Magazine has announced Steve Dover, CEO of National Mortgage Company, has made the Hot List.

    National mortgage

    National Mortgage Company Acquires Australian First Mortgage

    National Mortgage Company acquires the shares of AFM, 16th March 2015. Australian First Mortgage has announced it will merge.

    National mortgage

    Privacy Act Amendments 2014

    The Privacy Act amendments, including the introduction of Comprehensive Credit Reporting (CCR), took effect Wednesday 12 March 2014.

    Mortgage Rates – Alberta Equity Mortgages, national mortgage rates.#National #mortgage #rates

    Best Mortgage Rates

    Alberta Equity aims to help you find the lowest rates in the country with ease. Compare the best rates offered on the most popular products by Canada’s top lenders in the rates charts below. Not sure which product will amount to the most savings on your home financing? Pop the mortgage rate into an online mortgage calculator to deduce your future monthly payments. Shopping for the best mortgage rate was never so straightforward.

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    Our Mortgage Rates vs Bank Posted Rates

    Current Top Lender Mortgage Rates: Variable, 6 Month – 5 Year Fixed

    National mortgage rates National mortgage rates is managed by Super Brokers Incorporated, a division of TMG The Mortgage Group. Our goal is to help you find the best mortgage rates (OAC) and lenders in and around Calgary, Edmonton, Lethbridge, Medicine Hat and Red Deer. Super Brokers is a proud member of the Better Business Bureau of Southern Alberta. Our mortgage application is secured by Equifax SSL from GeoTrust. Although every attempt is made to ensure accuracy, the information contained here should only be used as a guideline. Please speak to one of our mortgage brokers if you would like more information about our services. For questions or comments about our website, security practices or policies, call our web support line at 1-866-530-5541. To speak with a mortgage broker, call toll free 1-800-604-1864

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    Current Interest Rates on Home Loans, Savings, Car loans – CD Rates, national mortgage rates.#National

    Today’s Interest Rates and Financial Advice:

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    Financial Advice

    Would you like to buy a home but worry that you’d never qualify for a mortgage? It’s time to stop guessing and evaluate your chances to land a loan based on everything from how much you make to your credit score. Believe it or not, the odds are in your favor.

    November 14th 2017

    The average cost of financing a new or used car or truck has stayed low over the past year, making auto loans a bargain by any historical measure. And buyers with reasonably good credit can always take advantage of the discount loans automakers are offering on many models.

    November 13th 2017

    Lending money to your child is risky business. But if you can avoid the personal pitfalls and convince the federal government that this is really a loan, and not a gift, the Bank of Mom and Dad can be a financial boon for everyone in the family.

    November 13th 2017

    Here’s how to make all of the right decisions so that you’ll save more, invest wisely and take full advantage of all the tax breaks to build your retirement nest egg.

    November 10th 2017

    It’s not enough to find a good location at an affordable price. Condo buyers must consider lots of extra costs, from association fees and special assessments to how well the building is maintained and how strictly it enforces rules on everything from noise to pets.

    November 10th 2017

    You’ve scouted out the best mortgage rate and fought hard to get the best price on your new home. But your bargaining shouldn’t stop there. Here’s how you can save on everything from settlement fees to title insurance.

    November 8th 2017

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    Interest ing Snapshot

    Individual retirement accounts, or IRAs, are a great way to build financial security for you and your family. They’re easy to open and our simple strategy helps you make all the right decisions now, and in the years ahead.

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