Understanding the Role of Credit Scores and Debt-to-Income Ratios in Mortgage Approval
When it comes to securing a mortgage, understanding the factors that influence approval is crucial. Two key elements that lenders…
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The Pros and Cons of Buying Versus Renting in Today’s Housing Market
In today’s dynamic housing market, the decision to buy or rent a home is more complex than ever. As a…
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Managing Debt for Mortgage Approval: Strategies for Improving Your DTI Ratio
Navigating the world of mortgages can feel like a daunting journey, but with the right strategies and guidance, you can…
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Understanding Private Mortgage Insurance (PMI) and Alternatives for Homebuyers
If you are planning to purchase a new home in today’s market, it is important to understand all the various…
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The Impact of Rising Interest Rates on Home Affordability: Tips for Homebuyers in 2024
The past few years have been a bit rough for buyers in the housing market. Between low inventory, increased selling…
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Navigating Challenges in the Homebuying Process 2024
The landscape of homebuying has always been filled with obstacles, but as we venture into 2024, prospective homeowners are facing…
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ACH Payments: What Are They? What Are Their Advantages?
An ACH payment is a digital transfer of funds made between banks (or other financial institutions) using what is called…
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Construction Pricing Trends, Modern Realities, and How Home Builders Can Navigate Them
When you’re planning to build your own home, understanding how much it’s going to cost you should be among your…
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New Year’s Resolutions for Homeowners
It’s that time again – most of us have probably sat down and come up with a few resolutions for…
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Common Mortgage Problems and Their Solutions
Even with a lender offering generous terms and consistent support, handling a mortgage can be a complex and intimidating process,…
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HELOCs – Recap, Use Cases, and Risk Awareness
Over the past few months, we’ve covered a lot about Home Equity Lines of Credit, or HELOCs. As such, I…
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Unlocking Opportunities: Using Home Equity to Ease College Expenses
As a parent, seeing your child head off to college brings a mixture of pride and worry. You want to…
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Why You Should Consider an Adjustable-Rate Mortage
When you’re weighing all of your options and selecting a home loan, you might want to consider an adjustable-rate mortgage…
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How a HELOC Can Make Your Home Improvements Possible
As we ease into spring and break into warmer temperatures, you might be looking for ideas to make improvements to…
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Why You Should Consider a Community Bank for Your Mortgage
Buying a house is a huge undertaking. Often, it’s life changing. Selecting the right mortgage option for you and/or your…
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Construction Needs
With spring right around the corner, many people are preparing to start projects as the frost comes out of the…
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Lot Loan Programs
Often the first piece of the puzzle that is building your dream home is finding that perfect lot or parcel…
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Mortgage FAQ
What’s the difference between being prequalified and preapproved? How much home can you afford? How do you lock your interest…
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Setting Up a HELOC Before You Retire to Tap into Your Home’s Equity
A home equity line of credit, or HELOC, is a revolving line of credit that allows homeowners to borrow against…
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Bridge Loans: What They Are and What They Can do for You
In today’s competitive housing market, contingencies will play a higher factor in whether the seller will accept your offer to…
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American National Bank Fox Cities’ National Mortgage Licensing System and Registry identification number (NMLS ID) is #555904 and currently has four registered Mortgage Loan Originators, Brent Walbrun (NMLS ID #609677), Jim Mueller (NMLS ID #1465080) and Mike Selner (NMLS ID #2233878).