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Porting your mortgage means taking your existing mortgage—along with its current rate and terms—from your current home to your new home. You can port your mortgage if you're purchasing a new property at the same time you're selling your existing one. However, you're still required to come up with a downpayment on the new property. Happy Hump Day! ☀ Wednesdays are the perfect days to reflect on all the great things you've accomplished in the start of the week, and plan for how you will end the week! When is the Right Time to Refinance? When signing and preparing your mortgage, your Mortgage Agent will help you decide what options work best for you. Lenders base their rates off multiple factors, and an Open or Closed mortgage can make a difference in the interest you end up paying. It never seems like the right time to take such a huge step like making a big investment. Unfortunately with the market constantly growing that "right time" just keeps getting further and further away. There is a huge misconception about what Credit Score is needed to get approved for a mortgage. When you work with a Mortgage Agent you have access to a huge list of lenders who will be able to approve you based on your current situation focusing on other factors.
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