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Continue reading →: Understanding Mortgage Servicing Complaints: A Breakdown of the 2023 CFPB ReportA new report by the Consumer Financial Protection Bureau shows that in 2023, nearly 28,000 homeowners lodged complaints about mortgage lenders. Most grievances were about payment issues and unhelpful customer service. The CFPB resolved 92% of the complaints, mainly through lender explanations.
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Continue reading →: Boise Real Estate Market Update: Trends and InsightsBoise’s housing market is shifting! Explore how recent Federal Reserve decisions, local sales data, and national trends are impacting Boise’s real estate scene. This data-driven analysis equips buyers and sellers with valuable insights to navigate the evolving market.
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Continue reading →: Your Home is Your Castle: Safeguard it with the Right Homeowners InsuranceHomeowners insurance safeguards your investment by covering repairs or replacements after fires, thefts, or natural disasters. It also provides peace of mind and is often required for mortgages. Understanding coverage options and comparing quotes will help you secure the best policy for your needs.
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Continue reading →: Navigating the Mortgage Maze: Top Questions for Homebuyers to Ask LendersConfused by mortgage jargon and overwhelmed by lender options? Don’t worry! This guide equips you with the key questions to ask, empowering you to navigate the process with confidence and potentially save thousands on your home loan.
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Continue reading →: The Great Squeeze: Mortgage Industry Grapples with CFPB’s “Junk Fee” CrackdownThe CFPB’s crackdown on “junk fees” in mortgages has the mortgage industry bracing for change. While consumer advocates cheer increased transparency and potentially lower borrowing costs, lenders express concern about potential impacts on niche loan products and their bottom line. Will this regulatory shift ultimately benefit borrowers by simplifying the…
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Continue reading →: FICO 10T: A New Era of Credit ScoringA new credit score, FICO 10T, is changing how lenders assess borrowers. Learn what it means for you, its impact on mortgages, and how to prepare for the future of creditworthiness.
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Continue reading →: Rising Rates, Growing Inventory: Is Boise Debunking the Mortgage Rate Lockdown TheoryRising mortgage rates are challenging conventional wisdom. Despite higher borrowing costs, inventory is growing year-over-year, suggesting sellers are entering the market. We explore data on new listings, price cuts, and the impact of the upcoming jobs report on the housing market.
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Continue reading →: Good News for Homebuyers: FHA Loan Limits Increase Significantly in 2024Exciting news for aspiring homeowners! The FHA has announced significant increases to its loan limits for 2024, making homeownership more accessible. The baseline limit for single-family homes jumps over $26,000, and even higher limits apply in expensive areas. This means more people can qualify for affordable financing and pursue their…
Hello,
I’m Scott
Ever wondered what truly makes a house tick? As a real estate agent with over a decade of appraisal experience, I’m here to demystify the world of property valuation and market analysis. Dive into my blog for in-depth insights, data-driven breakdowns, and expert tips to navigate your real estate journey with confidence. Whether you’re buying, selling, or simply curious about market trends, I’ll unlock the secrets hidden within every brick and mortar. So, step inside, explore, and let’s unlock the true value of your real estate dreams together!
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