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Why does my mortgage lender need so much information?

You’re ready to purchase a home of your very own, but it seems like you’re being asked to provide an awful lot of personal information to your lender. Is this really necessary? Short answer? Yes. Even if you’re already an established member of USALLIANCE and we have your information, there are still some documents you’ll need to provide and questions you’ll need to answer in order to be approved for your loan. And, it’s not just USALLIANCE that will ask so many questions; every home lender will request similar information to process a home loan.

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A Practical Way to Finance the Construction of Your Dream Home

Building your dream home – one that’s designed with your personal vision and needs in mind –can be an exciting, rewarding experience. Maybe even a life-changing one.

But there can be a learning curve involved – especially when it comes to financing your venture. In most cases, a traditional mortgage just won’t work. Instead, you’ll likely need some type of construction loan. A construction-to-permanent (CTP) loan can be a smart option.

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7 Ways to Spring Clean for Extra Cash

When the weather starts to warm and the spring flowers bloom, it’s time to crack open the windows, let the fresh air in, and give your home a good spring cleaning. But there’s more than just a neat house awaiting you after you banish those dust bunnies. Think about decluttering while you're at it, and you could even earn a few extra bucks.

Here’s how you can spring clean your way to riches – well, sort of.

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It’s Never Too Early to Plan Ahead

“Saving for retirement? No thanks. I’ve got too many bills to pay, money is tight, and besides, retirement is so far away – I have more important things to put my money towards.”

Sound familiar?

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It's Never too Late to Save

Worried you’re behind on saving for retirement?

You’re not alone. Roughly 80% of Americans feel stressed about not having enough money to retire comfortably. For those aged 50 and older, their biggest stressor is the fear of outliving their savings.

If your stress about retirement savings is rising as the days tick by, take a breath. There’s still hope.

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The Fastest Way to Get Your Tax Refund

Like many, you’re probably expecting a refund when you file your taxes this year. But did you know that you might not have to wait as long as usual to receive that refund? You can get your refund up to three weeks early! Seriously. According to the IRS, the best and fastest way to get your tax refund is to have it electronically deposited into your account through direct deposit.

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Why You Need an IRA

Saving for your retirement can seem overwhelming. Where do you even begin?

Like many imposing tasks in life, it's all about taking that first step. Opening an individual retirement account (IRA) can be a great first move.

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How to Stay Afloat Financially in a Federal Shutdown

The article How to Stay Afloat Financially in a Federal Shutdown originally appeared on NerdWallet.

When you have a pile of bills and no paycheck, address the essentials first. That means the roof over your head, medicine, food, heat, electricity and — for those who still must report to jobs despite a government shutdown — getting to work. What can wait? Almost everything else.

Communicating with creditors is key to surviving a federal government shutdown and recovering afterward. Here’s a guide to navigating the process if a furlough for federal workers has hit your household.

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Three Budgeting Strategies to Save More This Year

Looking to save more this year? You'll need a budget. Check out these 3 budgeting strategies & watch your savings grow!

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Five Tips for Successfully Negotiating a Raise

Let's talk about asking for a raise. As an employee, it’s probably one of your least favorite things to do. It can be so intimidating and stressful that many of us delay doing it for years – if we do it at all.

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