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Before applying for a mortgage, it’s best to review your credit score and get it in the best shape possible. Learn more about how to improve your credit score. Consider Your Loan Program. The 30-year fixed loan is by far the most common loan program, but adjustable rate mortgage (arm) and 15-year fixed loans offer lower rates.
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A crucial consideration as you shop for mortgages is getting the best possible interest rate. interest rates determine the cost of your mortgage for the life of the loan, so getting the lowest.
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