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You hear the phrase "first-time home buyer" frequently, but who does that include exactly? Many assistance programs are geared towards first-time home buyers. However, more often than not, some people don't realize they actually qualify under this category! This leaves many home buyers not realizing they've missed the opportunity for assistance. Once you understand who qualifies as a first-time home buyer, you may realize that you're on the path to [...]

Could your credit score use a boost? Let's be honest, many of us could always use a credit boost! But how do you increase your score? We're here to give you some tips and advice to help you achieve your goal of a higher credit score! What is a Credit Score Exactly? Let's begin with a brief overview of what a credit score is. A credit score is a three-digit [...]

Are you looking into purchasing a fixer-upper? While it can be a rewarding experience, it can also be stressful to figure out loans for the house as well as renovation costs. However, with the FHA 203(k) renovation loan, the entire process is made much easier! What is a 203(k) Renovation Loan? This loan allows you to borrow not only an amount for the purchase of your new home, but also [...]

There are a lot of lenders to choose from when you're looking for a mortgage lender, sometimes overwhelmingly so. So what makes us here at Team Crescenzo stand out from the rest? For starters, we have the infrastructure to cover every credit bracket, every approval scenario, and all of your home buying needs. This isn't everything though, we have many reasons for why you should choose us as your lending [...]

There's some new, exciting news for first time home buyers that have student loan debt! If your student loan debt has prevented you from being approved for a mortgage in the past, this may no longer be the case. The Federal Housing Administration has made some changes that will help expand access to FHA-insured mortgage financing to creditworthy individuals!   How were student loans calculated previously? Your student loan debt [...]

You've probably heard the terms pre-qualified and pre-approved, but is there a difference? In short, yes, there is a difference. You may have even used these terms interchangeably, not realizing there are some important differences between these words. No need to worry, that's why we're here! We will explain each term and their differences so you can go into the homebuying process as a confident buyer! Pre-Qualified Getting pre-qualified is [...]