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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

How To Obtain A Mortgage


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To obtain a mortgage, consider the following steps, each of which are discussed in other sections of this article:

Step 1. Prepare by creating your financial picture and explanations for any financial missteps. Past problems do not automatically foreclose you from getting a loan.For more information, click here.

Step 2. Find an ethical lender. If you are not up to the task yourself, you can engage a mortgage broker. In fact, to assure you get the best terms, you can use a broker while also looking for a loan on your own. Do not assume that the lowest advertised mortgage rate is the best deal. Expenses banks charge vary and these charges can affect cost greatly. Bottom Line Personal suggests asking: "What's your 30-year-fixed rate with zero points if I lock it in for 60 days?"  Even if that is not the precise loan you are looking for, this kind of precise question helps you compare apples to apples.  For information about choosing a mortgage broker, click here. 

Step 3. Once you find an interesting situation, check all details before agreeing. For instance, in addition to checking the interest rate, also look at the Annual Percentage Rate (APR) which is the effective rate you pay when all costs are considered.  For details to consider, click here.


  • You cannot be discriminated against when requesting a mortgage because of your health condition thanks to a federal law known as The Equal Credit Opportunity Act offsite link.
  • Do not take out another loan while closing on your mortgage.  The loan approval process does not end until the closing. A lender may back away from the loan if it learns you changed jobs or took out an additional loan such as a car loan.

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