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Be prepared to provide verification of income (including a pay stub and recent tax returns), bank account numbers and details on your long-term debt (credit cards, auto loans, child support, etc.). If you're self-employed you may also be required to provide financial statements for your business.

The sale and purchase of a home is one of the most significant events that an individual will experience in their lifetime. It is more than the simple purchase of housing, for it directly impacts the hopes, dreams, aspirations, and economic destiny of those involved. It is for this reason that the Fair Housing Act and other federal and state laws were enacted to guarantee a right to a national housing market free from discrimination based on race, color, religion, sex, handicap, familial status, and national origin.

Step #1 - Ask Your Lender About Available Mortgage Programs: An experienced mortgage company should be able to work with you one-on-one to determine exactly which mortgage programs will meet your individual needs and what you can qualify for based on your personal information. Applicants with higher credit ratings and/or higher levels of financial reserves generally receive more competitive mortgage rates. But with hundreds of available mortgage programs, there is usually one to meet the needs of almost any homebuyer.

Fabulous 2 family home located on quiet tree lined street. First floor consists of 3 bedrooms, large living room and dining room, full bathroom & den. Outside entrance to cozy backyard from kitchen. Hardwood floors throughout! Second floor consists of 2 large bedrooms, den and a one full bath. Separate entrance going up to second floor. Full finished basement with summer kitchen, full bathroom, and recreation room and outside entrance. This home is centrally located to shopping, schools & public transportation to nyc. Great value!

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