“Being a single mom of three and starting over wasn’t on my agenda, but my ultimate goal was to have my own house. My mortgage lender told me ‘no’ for three years due to credit issues. Finally Lynn told me to go look! Purchasing MY home was the best feeling ever. It discounted all negative thoughts from myself and others. Get what's yours. Home is where the heart is!” --Mary Thoreson

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This is the exciting part! Now you know for sure that the underwriter has approved you, based on meeting the conditions listed on the approval. Work quickly with your lender and processor to get those conditions in as soon as possible. Be aware that when you send conditions in, the underwriter may need further clarification, so be ready to send more until you hear that everything has been signed off.

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The sales price will be higher in a major city versus in the suburbs. Good schools and access to major stores and attractions also raise desirability. Many are finding they need to stretch their search to find homes in their price range. Get the best home you can afford, in the best location, at a price you can comfortably manage.

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If there are any concerns with your loan approval, I highly advise that you ask your lender to submit your file for a fully underwritten credit approval. This gives everyone peace of mind that both the loan consultant and underwriter have reviewed your information. If you are self-employed, have multiple streams of income or have had a few job gaps in the last few years, definitely get the full credit approval.

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Getting a mortgage can change lives. I see it over and over. I remember how much my husband and I wanted to own our own home, and I bring that feeling with me to every loan I handle. I hope these 100 Lessons inspire you and take the fear out of mortgages, whether it’s your first home, or the first home on your own!

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Money is a powerful tool. In the proper hands it can provide countless opportunities for good for the family and for others. Without training, its use can be destructive and debilitating to the family.

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A eulogy is a forward looking statement that defines how you want to be remembered in life. It usually focuses on the character qualities you hope others will see and recognize in your life. Write your eulogy.

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A financially wealthy individual once defined success to me as, “Having a job you love and a warm home for your family.” Loving families and the concept of home are not obtained by material wealth. They are created by love.

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The ability to persevere through trials produces character and self confidence. Trials are often the foundation of the success one has today. The knowledge gained in these trials is what parents wish they could give their children.

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Sharing your life experiences mentors future generations within your own family as well as others. Your triumphs, failures and humorous encounters illustrate important lessons others can use to navigate their way through the adventures of their own life.

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