I think most of us know that we must continue to pay our bills, even after receiving a loan pre approval letter from a lender, but many people assume that the lender has approved them and start neglecting their finances.
#1Generally, a pre-approval letter is valid for 90 days after you receive it. Most have a disclaimer that if anything changes before the settlement, it could impact your pre-approval. After 90 days most lender will issure you a renewal letter, after checking your finances again, and doing another credit check.
#2    DON’T MAKE ANY MAJOR PURCHASES.
When you buy furniture or appliances with credit, your lender will have to factor in the added new payments to your debt to income ratio, which might result in a cancelled or delayed loan settlement. If you pay cash, will you still have the money for the down payment, and any cash reserves?
#3    DO NOT PAY OFF ALL OF YOUR DEBT.
After getting a pre- approval letter, every move you make with your money will have an impact, so consult with your lender before doing anything. Even if you pay off your credit card debt, it can hurt you if you close out your account or reduce your cash reserves. We’ll also need to know where the money came from to pay off the debt.
#4    DO NOT CO-SIGN ANY LOANS FOR ANYONE.
Borrowers sometimes assume that co-signing a student loan or a car loan won’t affect their credit, but it is considered a new debt for both signers, especially

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Piru

The small, rural unincorporated community of Piru, California is located in the Santa Clara Valley between the town of Fillmore and the Los Angeles county line. The community is located in the eastern area of Ventura County east of the Pacific Ocean and west of the hills and valleys of Santa Clarita Valley, in the […]

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Find a Diverse Selection of Homes in Camarillo

Camarillo, California is the 4th largest city in Ventura County. The city has a great location being about halfway between Los Angele and Santa Barbara and just a few miles inland from the coast. Be sure and check out the  diverse selection of homes in Camarillo that fit the affordable budget all the way up […]

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Ventura County Overview

People come to Ventura County California from all over the world to enjoy the clean and sparsely populated beaches and coastal resources, the hills and towering mountains, rivers, valleys, year ’round mild weather, the Channel Islands, Los Padres National Forest, and the closeness of many of Southern California’s top tourist destinations. You will find out of […]

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Do I Have to Give up my Green Lawn to go Green

Some of my friends are tearing up their beautiful green front lawns and replacing the lawn with native plants. And of course, like all converts, they are trying to get me to do the same -to go green. Here is some of their logic. If you are paying $100 a month to have the front […]

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Bougainvillea is the answer for Drought Resistant Color

Nothing is more beautiful than the Bougainvillea scattered among the landscapes of Ventura County. This plant which is native to South and Central America is the perfect solution for colorful drought resistant specimens in either your private homes or commercial properties. It comes in a variety of colors and can be pruned to simulate a […]

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Mullin Automotive Museum in Oxnard

Mullin Automotive Museum in Oxnard  has a  fabulous array of vintage cars on display all the time. Right now for our enjoyment is a collection of Bugatti automobiles along with the family’s art collection. The Bugatti family members were all artists in their own right, designing beautiful high end automobiles along with other works of […]

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Please Explain PMI

Home Purchase Private Mortgage Insurance is an insurance that will protect the Mortgage Lender.  The buyer will pay the premium. If you purchase a home and put 20% as a down payment, there is a 10%  difference between the down payment and the Mortgage Loan.  The lender wants a guarantee on that 10%  in case […]

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Yes, There is a Banana Belt of Ventura County !

  Yes, it’s true and the old timers used to talk openly about the Banana Belt of Ventura County. It was located along the sloping areas along the Santa Clara River, down near the ocean around Saticoy. This is a unique micro-climate and probably has the only commercial banana farm in the western United States. […]

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Santa Cruz Island, Our Backdoor Neighbor

The residents of Southern California and especially the people who live in Ventura County are lucky to have a famous Channel Islands National Park just a few miles offshore. This unique Park is made up of the several offshore islands, off the coast of Southern California. California’s Channel Islands are often called “the Galapagos Islands […]

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A Real Banana Belt of Ventura County ??

Yes, it’s true and the old timers used to talk openly about the Banana Belt of Ventura County. It was located along the sloping areas along the Santa Clara River, down near the ocean around Saticoy. This is a unique micro-climate and probably has the only commercial banana farm in the western United States. The […]

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Scottsdale’s Backyard Wonders

From Scottsdale, Arizona, there are almost too many natural wonders to name within driving distance. The Sonoran Desert, the Petrified Forest, and, of course, the Grand Canyon are among the most well known. The Grand Canyon is one of the greatest natural wonders in the entire world and it just happens to be located in […]

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Scottsdale Short Sale Myths

Short Sale Myths -Who’s Zooming Who? Given the current state of the real estate market in all areas in and around Phoenix/Scottsdale are many short sale listings. We have had our share of short sale listings and have represented both buyers and sellers through this process. We find ourselves educating buyers and sellers a lot […]

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Selling Your Scottsdale Home

Being On Stage 24/7 There is a reality of the real estate market in Scottsdale that is often overlooked. When selling your Scottsdale home, it is basically on show or on stage 24 hours a day 7 days a week. Sellers need to remember this fact as even though it may be 11 pm, prospective […]

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Winter is Best Spent in Scottsdale, AZ

Thinking of our friends up North and in the East. Stay warm. It is always warm here;-) The post Winter is Best Spent in Scottsdale, AZ appeared first on Scottsdale Homes For Sale. http://www.scottsdalehomeforsale.com/winter-best-spent-scottsdale-az/ [box title=" " style="default" box_color="#333333" title_color="#FFFFFF" radius="3"]http://scottsdalehomeforsale.com/ 1397694702 2 http://scottsdalehomeforsale.com/?p=588 Stephen Proski [/box]http://scottsdalehomeforsale.com/ 1397694702 2 http://scottsdalehomeforsale.com/?p=588 Stephen Proski

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Scottsdale Ranch

Scottsdale Ranch is one of Scottsdale’s premier master planned communities and consists of 40 individual sub divisions with a wide spread selection of beautiful home options especially planned for singles, families and retirees. This sub division has been built on over 1100 acres and is close to popular Lake Serena, just east of McCormick Ranch. […]

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Scottsdale Mountain

Scottsdale Mountain is one of Scottsdale’s premier gate guarded home developments. This development  is less than ten minutes from downtown Scottsdale and numerous world class golf courses, great shopping and restaurants, medical services and financial services offices and entertainment. The award winning schools are part of the Scottsdale Unified School District and all located within […]

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Scottsdale Family Attractions

Scottsdale has attractions  which makes living here the perfect solution for the active family.  You will find  world-class museums and a renowned botanical garden,  guided city tours, architectural wonders and the nation’s largest wilderness preserve. The following Video says it all.  After you view this you will understand why Scottsdale Real; Estate is at  a […]

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Mini Vacation at the Fairmont Scottsdale Princess: Why Not?

If you are new to our beautiful community , you will want to put Sonoran Splash, Fairmont Scottsdale Princess’ 6,000 square-foot water oasis as a must experience during our long summer season. Whether you are young or young at heart this water park is one of the best in the Arizona.  This can be one […]

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Come To Scottsdale Arizona

One of the wonderful aspects of living in Scottsdale AZ is this array of activities the area has to a offer us. We all come together so often to celebrate our deep rooted culture. This is true whether it be equestrian indulges, Enjoying the Native American art and lore or even just possibly the challenge […]

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A Brief History of Scottsdale Arizona

It was 1888 when Army Chaplain Winfield Scott visited the Salt River Valley and made his down payment on 640 acres so he could start a farming operation. Scott’s purchase, near the heart of present-day downtown booming Scottsdale, would be the impetus for the development of the city that bears his name. The very favorable […]

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Crime Shield Security Screens, The Test Of Strength

Crime Shield Security Screens for Your Existing Windows and Doors. These Security Mesh Window and Door Security Screens will Prevent Break-Ins and Home Invasions. Invisible Security works well.

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New Merry Christmas in San Diego

New Merry Christmas Wall Decal Sticker Wall Art Decor DIY Decal Home Decor New Merry Christmas Wall Decal Sticker Wall Art Decor DIY Decal Home Decor $1.25 (11 Bids)End Date: Saturday Nov-2-2013 21:00:01 PDTBid now | Add to watch list Source: rover.ebay.com St Pete Beach beachfront townhouse Nov 17-20 $269.00 (0 Bids)End Date: Saturday Nov-2-2013 […]

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The Florida Keys

The Florida Keys are a coral cay archipelago in the southeast United States. They begin at the southeastern tip of the Florida peninsula, about 15 miles south of Miami http://keyrentals.com/Host Chad Crawford takes you from Key Largo thru Key West to show you the best of the Florida Keys

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San Diego Listings

San Diego posted the nation

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The Break-Up (DVD, 2006)

The Break-Up (DVD, 2006) The Break-Up (DVD, 2006) $2.99 (0 Bids)End Date: Tuesday Oct-22-2013 17:09:57 PDTBid now | Add to watch list Source: rover.ebay.com Ft. Myers Beach, FL ~ 2BR, 2BA Furnished Timeshare Unit ~ Jan 18

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Working to Outrun That Giant Mouse

Working to Outrun That Giant Mouse Source: online.wsj.com Dick Tracy’s Phone It’s Not You can talk to your wrist with [...] Working to Outrun That Giant Mouse It is a lot of work looking back, the artist Art Spiegelman recently said, over a breakfast of fruit and meringues at the Jewish Museum, where the exhibition, […]

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2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE

2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE 2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE $14,000.00 (0 Bids)End Date: Wednesday Nov-6-2013 10:12:52 PSTBid now | Add to watch list Source: rover.ebay.com New 51″ Beige Cat Tree townhome Furniture Scratch Post Pet home $70.98 (3 Bids)End Date: […]

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2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE

2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE 2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE $14,000.00 (0 Bids)End Date: Wednesday Nov-6-2013 10:12:52 PSTBid now | Add to watch list Source: rover.ebay.com New 51″ Beige Cat Tree condominium Furniture Scratch Post Pet home $70.98 (3 Bids)End Date: […]

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2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE

2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE 2001 FREIGHTLINER CLASSIC XL EXTENDED HOOD 500HP N14+ 13 SPD NO RESERVE $14,000.00 (0 Bids)End Date: Wednesday Nov-6-2013 10:12:52 PSTBid now | Add to watch list Source: rover.ebay.com New 51″ Beige Cat Tree townhouse Furniture Scratch Post Pet home $70.98 (3 Bids)End Date: […]

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Breitling Chronomat GMT 47 B04 AB0410

Breitling Chronomat GMT 47 B04 AB0410 Breitling Chronomat GMT 47 B04 AB0410 $5,600.00 (0 Bids)End Date: Thursday Oct-31-2013 9:15:51 PDTBid now | Add to watch list Source: rover.ebay.com Night Road by Kristin Hannah (2012, Paperback) $1.99 (0 Bids)End Date: Thursday Oct-31-2013 9:20:04 PDTBuy It Now for only: $5.00Buy It Now | Bid now | Add […]

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Breitling Chronomat GMT 47 B04 AB0410

Breitling Chronomat GMT 47 B04 AB0410 Breitling Chronomat GMT 47 B04 AB0410 $5,600.00 (0 Bids)End Date: Thursday Oct-31-2013 9:15:51 PDTBid now | Add to watch list Source: rover.ebay.com Night Road by Kristin Hannah (2012, Paperback) $1.99 (0 Bids)End Date: Thursday Oct-31-2013 9:20:04 PDTBuy It Now for only: $5.00Buy It Now | Bid now | Add […]

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Parker Living Adonis Dual Power Recliner Brown Leather Sofa Living Furniture

Parker Living Adonis Dual Power Recliner Brown Leather Sofa Living Furniture Parker Living Adonis Dual Power Recliner Brown Leather Sofa Living Furniture $1,766.00 (0 Bids)End Date: Thursday Oct-10-2013 6:27:27 PDTBid now | Add to watch list Source: rover.ebay.com Revolutionary Road (DVD, 2013) $0.99 (0 Bids)End Date: Tuesday Oct-15-2013 12:06:35 PDTBid now | Add to watch […]

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NWT Lululemon Inner Peace Reversible Black Jacket Sz 4

NWT Lululemon Inner Peace Reversible Black Jacket Sz 4 NWT Lululemon Inner Peace Reversible Black Jacket Sz 4 $84.99 (0 Bids)End Date: Saturday Oct-26-2013 18:07:36 PDTBid now | Add to watch list Source: rover.ebay.com Anti-Cellulite XXL Sculpting Cream Bodyfit,Caffeine,Squalane,HA, vitamin K 4oz $16.99 (0 Bids)End Date: Saturday Oct-26-2013 18:30:10 PDTBid now | Add to watch […]

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Source:

Source: Source: Source: Didn’t That Used to Be an Office Building? They decrease competition for tenants, especially between Class B and C landlords, and as empty space is removed from the market, vacancies decline. Didn’t That Used to Be an Office Building? The effect of space removals has been [...] By: Jeff Myers Office demolitions […]

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Didn’t That Used to Be an Office Building?

Didn’t That Used to Be an Office Building? By: Jeff Myers Office demolitions and conversions are playing an interesting role in this cycle’s office recovery. Didn’t That Used to Be an Office Building? They decrease competition for tenants, especially between Class B and C landlords, and as empty space is removed from the market, vacancies […]

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Source:

Source: Source: Source: http://www.modestorealestate.org

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Ray Lewis – NFL Football Documentary

Ray Lewis – NFL Football Documentary Ray Anthony Lewis, Jr. (b… From: FootballUniverse Views: 1 0 ratings Time: 44:25 More in Sports Source: www.youtube.com MortgageMash MortgageMash Mortgage rates remain low [...] Ray Lewis – NFL Football Documentary Ray Lewis – NFL Football Documentary Documentary on legendary professional NFL Football player Ray Lewis, who played linebacker […]

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Ray Lewis – NFL Football Documentary

Ray Lewis – NFL Football Documentary Ray Lewis – NFL Football Documentary Ray Lewis – NFL Football Documentary Documentary on legendary professional NFL Football player Ray Lewis, who played linebacker for 17 seasons for the Baltimore Ravens. (b… From: FootballUniverse Views: 1 0 ratings Time: 44:25 More in Sports Source: www.youtube.com MortgageMash MortgageMash Mortgage rates […]

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Ray Lewis – NFL Football Documentary

Ray Lewis – NFL Football Documentary Ray Anthony Lewis, Jr. Ray Lewis – NFL Football Documentary Ray Lewis – NFL Football Documentary Documentary on legendary professional NFL Football player Ray Lewis, who played linebacker for 17 seasons for the Baltimore Ravens. (b… From: FootballUniverse Views: 1 0 ratings Time: 44:25 More in Sports Source: www.youtube.com […]

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Source:

Source: Source: Source: screens with security features

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10X Luxury Thin Hard Back Case Skin home Protector for Samsung Galaxy S4 I9500

10X Luxury Thin Hard Back Case Skin home Protector for Samsung Galaxy S4 I9500 10X Luxury Thin Hard Back Case Skin home Protector for Samsung Galaxy S4 I9500 $0.94 (0 Bids)End Date: Wednesday Oct-23-2013 15:57:39 PDTBid now | Add to watch list Source: rover.ebay.com home With Fire Damage For Sale $18,500.00End Date: Sunday Nov-17-2013 11:50:37 […]

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Home Inspection Report, editible & capable of adding pictures

Home Inspection Report, editible & capable of adding pictures Home Inspection Report, editible & capable of adding pictures $9.50 (1 Bid)End Date: Thursday Oct-24-2013 6:49:25 PDTBid now | Add to watch list Source: rover.ebay.com Vintage B & B Boxed Set Redislip Playing Cards – Floral ORCHIDS – Advertising $3.99 (0 Bids)End Date: Saturday Oct-26-2013 10:28:18 […]

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Home Inspection Report, editible & capable of adding pictures

Home Inspection Report, editible & capable of adding pictures Home Inspection Report, editible & capable of adding pictures $9.50 (1 Bid)End Date: Thursday Oct-24-2013 6:49:25 PDTBid now | Add to watch list Source: rover.ebay.com Vintage B & B Boxed Set Redislip Playing Cards – Floral ORCHIDS – Advertising $3.99 (0 Bids)End Date: Saturday Oct-26-2013 10:28:18 […]

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Musical Notes Wall Decals Kids Girl room Vinyl Wall Murals Removable Butterfly

Musical Notes Wall Decals Kids Girl room Vinyl Wall Murals Removable Butterfly Musical Notes Wall Decals Kids Girl room Vinyl Wall Murals Removable Butterfly $9.12 (0 Bids)End Date: Tuesday Oct-22-2013 18:59:43 PDTBid now | Add to watch list Source: rover.ebay.com ATLANTIC CITY townhome RENTAL–2BR DELUXE–5 NIGHTS–NOV 17-22 $249.00 (0 Bids)End Date: Wednesday Oct-23-2013 7:20:39 PDTBuy […]

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