All you need for a mortgage loan prequalification
All you need for a mortgage loan prequalification

Buying a house may be a tedious process, but every step of it is worth it. Finding the right home is quite a tiring task. But the real work begins once you put an offer on a home of your choice. Most renowned lenders require you to go through a mortgage loan prequalification, which usually does not hurt your credit score to get to the next step of getting the right interest rates for yourself.

Why do you need to undergo a prequalification?
The mortgage market is filled with choices. If you have a decent credit score, you will have the option of choosing any mortgage lender that you like. However, the reason why you should undergo a mortgage loan prequalification is to find out the best-suited rates and also to get an idea of what different lenders offer.

What details must you fill in order to get a prequalification?
Every major lender gives you an option of mortgage loan prequalification on their portals. You may fill the online application form and find out if you are prequalified or not. Generally, the details that you need to provide for this are:

  • Loan purpose: You need to tell the lender whether you need a mortgage for a refinance or for a purchase.
  • Bank account: Most lenders ask you the name and branch details of the bank you have an account in.
  • Loan type: There are plenty of loan options in the market ranging from 30-year fixed mortgages to 15-year fixed mortgages along with adjustable rate options. Pick the one that suits you the most. (This may be adjusted later if some other mortgage option suits you better.)

While the aforementioned criteria are necessary to fill, here is a checklist for you to verify for prequalification and qualification:

  • Your details: Name, date of birth, phone numbers, email address, mailing address, Social Security Number of the applicant and co-applicant (These may slightly differ from lender to lender.)
  • Income and employment details: Your tax returns and employment details which differ for W-2 wage earners, self-employed and freelancers, and for people with real estate income.
  • Assets: Your bank account statements along with information on retirement and brokerage accounts.
  • Debts: Your list of existing debts which may either be monthly debt payments or real estate debt.

Additionally, you may require rent documents, divorce-related documents, bankruptcy declaration, foreclosure proofs, or down payment gift letters.

Getting a loan prequalification is very easy on online portals as long as you give the right details so that the lender may access your data and make a calculated decision by granting you a prequalification.

  • Market speaks on SUV tires

    Keeping abreast with the latest in the SUV tire segment will help make your tire purchase decision easier. To pick the one that is right for you, read ahead.

    • All-season tires: Choose an all-season SUV tire if you’re looking for yearlong performance. These large rim diameter tires like the Yokohoma Parada Spec-X, enhances the tires’ performance and increase its versatility.
    • Summer tires: General Grabber UHP and Goodyear Eagle F1 Asymmetric SUV-4×4 tires are top in the class of SUV tires providing dry and wet road performance. These summer tires are wide to enhance the traction on dry and wet roads and are not meant for use on snow or icy surfaces.
    • Highway tires: In comparison to other tires, these are heavy duty tires that are used on SUVs or lights trucks for highway use. The treadwear is rib-type providing even wear on a dry as well as a wet terrain. Michelin XPS Rib and Continental Vanco 2 are best sellers in this category.
    • All-season luxury tires: These tires give your luxury SUV a stylish appearance and classy comfort. All season adaptability, noise comfort on highways and traction in surfaces with up to light snow is the complete package. The top seller is Michelin Premiere LTX.
    • All-season highway tires: These tires give your SUV all-season traction and comfort. They usually have independent tread blocks to give on-road and bad-weather traction. Firestone Destination LE 2 is a good choice if you’re looking for such a tire.
    • All-terrain tires: The multi faceted tread blocks in these tires aid them in maneuvering through snow, soil, gravel, ice, and sand with equal ease. Tires like Goodyear Wrangler SilentArmor and Pirelli Scorpion ATR can be used all year long.
    • Winter tires: Traction on snow and ice is needed to drive your SUV safely in winter. Low-temperature tread compounds are used in manufacturing tires like Bridgestone Blizzak DM-V2 and Michelin LXT winter that helps them grip on snow and ice.
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  • Popular Frigidaire gas cooktops under $1000

    A cooktop is an essential cooking appliance for any kitchen. The equipment helps you to prepare multiple recipes at once with any hassles. For anyone who is buying a cooktop for the first time should consider important factors such as size, features, prices, cleaning, maintenance, etc. To make the most of your cooking experience, you should buy cooktops from reliable brands. If you are hunting for a high-quality cooktop at affordable prices, then you should consider buying from the label Frigidaire.

    Frigidaire gas cooktops are a perfect choice for those who are looking for four or more burners. The base price starts from $399 for Frigidaire gas cooktops. However, the cheapest models are also equipped with fantastic features such as Ready-Select controls, Electronic Pilotless Ignition, color-coordinated control knob, sealed gas burners, low simmer burners, SpillSafe drip bowls, etc. If you are looking for Frigid gas cooktops under $1,000, you can check out the following variants.

    • Frigidaire 30” Gas Cooktop FFGC3005LW – $399
    • Frigidaire 36” Gas Cooktop FFGC3603LW – $469
    • Frigidaire 36” Gas Cooktop FFGC3613LB -$519
    • Frigidaire 30” Gas Cooktop FFGC3613LS – $649
    • Frigidaire 30” Gas Cooktop FFGC3026SS – $799
    • Frigidaire Gallery 30” Gas Cooktop FGGC3045QW – $849
    • Frigidaire 36” Gas Cooktop FFGC3625LS – $899
    • Frigidaire Gallery 30” Gas Cooktop FGGC3045KB – $999

    You can buy any of the Frigidaire gas cooktops depending on your cooking style and budget constraints. All of these variants have sleek and classy designs which can complement all kinds of kitchens. The models mentioned above are available in three colors, i.e., white, black or stainless steel.

    Apart from Frigidaire gas cooktops, you can also buy electric and induction models. However, it is to be noted that both of these types are comparatively quite expensive. The electric line starts from $799 whereas Frigidaire induction cooktops begin from $1,499. At the same time, for induction cooktops, you will need particular kinds of utensils. However, if you are interested in purchasing electric or induction cooktops from Frigidaire, then you should buy them from clearance sales or online. If you need it immediately, then buying them from e-commerce shopping sites makes more sense. The best part about making the purchase online is that you will always find discount offers. Likewise, several reputed vendors offer you with post-purchase services like free delivery and installation. However, it is necessary to first verify the authenticity of the website. You can do this by scrutinizing reviews on the Internet.

    Along with cooktops if you are looking out for other home appliances, then you can peruse through Frigidaire’s popular products such as dishwashers, freezers, coffee-makers, wall ovens, blenders, washers, dryers, air purifiers, air-conditioners, and other product-related accessories.

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  • Four simple tips for anti-aging

    Age is an enemy that creeps up to people. To avoid any physical trace of it, many medicines and anti-aging products promise youthful skin with constant use. Some work great, some fail to show any difference, all of them cost a lot. However, when it comes to anti-aging, there are few simple tips that slow down the aging process in the long-run-

    Apply a gentle face wash
    Use a face wash with a gentle formula as harsh cleansers tend to make the skin more sensitive and lead to acne breakouts. Also, scrubbing face aggressively instead of gently is linked to accelerating the process of aging. You can simply choose face washes that are mild and oil-based as they provide the hydration that is needed. Also, choose ingredients like green tea that help in fighting against inflammation and wrinkles. Also, using your hands lightly while washing your face and cleansing in circular motions helps in slowing the process of aging.

    A sunscreen is a must
    Using sunscreen regularly helps in preventing signs of aging like uneven skin tone and age spots. Also, using a sunscreen with a sun protection factor (SPF) of 30 or higher is a great way for keeping your skin youthful and healthy. Apart from this, it is important to switch to sunscreens that are moisturized based instead of alcohol or gel based. This is because alcohol or gel based sunscreen tends to dry your skin out. Sunscreens that contain antioxidants provide the added benefit of boosting the collagen in your skin.

    Watch your diet
    What goes inside the body, reflects on the outside. Hence, when it comes to anti-aging tips, diet cannot be ignored. It is important to consume a diet that is healthy and contains foods that nourish your skin over the period of time. Avoid beverages and drinks that dehydrate your body like caffeinated drinks, alcohol, etc. Also, foods that are high in white carbohydrates and sugar speed up your aging process. Foods like fish, legumes, lean meat, beans, etc. are protein-based and do wonders for your skin in the long run. Plus, foods that contain antioxidants are great for the skin like lemon, tomatoes, oranges, etc.

    Scrub the dead skin away
    Our skin creates a new layer every 28 days and regenerates itself after shedding skin regularly. As we age, this process slows down leading to skin aging problems like rough patches, dull complexion, etc. One of the effective anti-aging tips is to exfoliate weekly to remove the build-up of dead skin. It is also important to choose a scrub that is not harsh on your skin as it may cause irritation and redness.

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  • Causes and Symptoms of fibroids

    Our body functions in ways that are unique and allows us to lead a normal life. Any abnormal growth in either of these organs disrupts the normal functioning of the same.

    Fibroids are one such abnormal growth that has its roots firmly planted in or on a woman’s uterus. Various studies indicate that around 3 out 10 women are diagnosed with fibroids. These fibroids are made of muscles and connective tissue and are known to cause great unease and severe pain. When the early fibroid symptoms manifest themselves, that will be the perfect time to opt for treating these early fibroid symptoms.

    What causes fibroids?
    The real cause of the presence of fibroids in the uterus is unknown, but studies link fibroids to the level of estrogen in a woman’s body. Fibroids affect women after they attain puberty and ceases to grow once they reach menopause. It is believed that fibroids grow steadily when the estrogen levels in a woman’s body are high, especially during pregnancy.

    What are the different types of fibroids?
    The different types of fibroids are-

    • Submucosal fibroids- These fibroids grow in the uterine lining and are responsible for causing heavy menstrual bleeding.
    • Intramural fibroids– This type of fibroid grows inside the muscular walls of the uterus.
    • Subserosal fibroids– These fibroids that grow on the outer wall of the uterus are responsible for causing incontinence since they increase the pressure on the bladder.
    • Pedunculated fibroids– These fibroids can grow either on the inside or outside the uterus, and it has a stalk that allows it to attach itself to the uterus.

    What are the early fibroid symptoms?
    The early fibroid symptoms vary as per the location of the fibroids and the size of the same. Though the fibroids aren’t cancerous, it is essential that they are treated. The smaller fibroids are usually harmless, but the bigger ones are the trouble-causing agents. The early fibroid symptoms are as follows-

    • The most common early fibroid symptoms are the presence of acute pain and discomfort. This occurs since fibroids compress the organs and the nerves, which in turn results in increased pressure on the pelvis.
    • The person suffering from fibroids might experience chronic pain in the abdomen since the fibroids that have lodged itself in the outer part of the uterus can extend to the abdomen as well. The presence of large fibroids in the abdomen can cause swelling in the stomach.
    • One can also experience pain and discomfort during a sexual intercourse due to the presence of fibroids.
    • Fibroids affect the bowel movements as well if they compress the rectum. The individual might experience pain during a bowel movement and a constant bloating sensation as well.
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  • Tips to buy the right mattress

    The best place to find a suitable replacement for your old mattress is the B and M retail. B and M Mattress offers you the best quality innerspring mattress, both in a single bed and double bed sizes. Their mattresses provide adequate comfort and support to your body.
    A good mattress ensures that you make optimal use of the hours you spend in bed. If you suffer from back pain, it becomes all the more essential to find a mattress, which helps you in managing the problem. However, there are so many brands vying for your attention that it is easy to get confused by the choices.

    The first step to a better buying decision is, obviously, to know what features you are looking for. There is no comprehensive guide or medical journal that can tell you what kind of mattress would be perfect for you, although there are broad guidelines that you can adhere to:

    Trust your experience: Mattress is a product that all of us have used. We already have a list of things we like in our existing mattress and the pesky issues we could do without along with a list of desirable features. Make good use of this list and see if you find something that covers all bases.

    Consult your doctor: If you have a specific medical condition, it is best to talk to your doctor or physical therapist about the issue. They can give plenty of tips on the type of sleeping surface that may be suitable for your condition. You can match and compare this with options available in the market and take a decision.

    Test drive: There are no rules, which say you can test drive a car, but you cannot test drive a mattress. If you have taken the trouble to travel to a physical store, you might as well use the opportunity to get a feel of the real thing. Take your time to test the mattress, check for firmness and support.

    Mattress firmness: A firm mattress is not always the best choice. In fact, the degree of firmness that is ideal for you depends on the condition of your back and also the position in which you usually sleep.
    Soft mattresses, which mold to your body shape, are best for side sleepers.
    If you change your position during the night and roll from the side onto your back, then medium soft would be more suitable. This will mold to your shape when you lie on the side while supporting your back when you roll over.
    For those who sleep on their back, medium firm mattress offers the best support.
    If you are in the habit of sleeping on your stomach, go for a firm mattress, which does not sink in during your sleep.

    Warranty: All good brands offer a minimum of a 10-year full replacement warranty.

    Any B and M mattress conforms to BS7177 UK fire regulations, is manufactured in the UK and provides an adequate warranty on its products.

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  • Ways to get the best business class flight offers

    There is a huge difference between traveling in economy class flights and business class flights. The difference is not only in the number of dollars spent but also in the way a traveler emerges upon arrival. You need to know how to get the best business class flight offers. Here is how:

    Search engines
    Use search engines like Skyscanner to search for the best business class flight offers on any route, and in any class. You need to be flexible with deciding your travel dates. So you can select the date with the cheapest fares and business class flight offers to the selected destination.

    Look for airlines that offer business class seats at economy prices
    Some airlines offer more affordable and cheap business flight tickets—often called as premium economy. The low cost carrier offers recliners, premium streaming of entertainment, fine meals, and other amenities.

    Bid for an upgrade in auctions
    Many airlines offer online auctions that allow passengers to upgrade to business class flight offers by giving them a spectacular deal on the original price. This low-cost option is a win-win for both the parties, as it allows the airline to fill up empty seats on a flight and the passenger gets an upgrade at a low cost as well.

    Loyalty programs for frequent flyers
    Most of the airlines allow flyers to pool their flying miles. When they have accrued enough, they can get it redeemed for business class flight offers. Make sure to track emails from the airlines frequently, and be careful not to let your reward points expire.

    Early bird gets the best offer
    Social media updates and the airline newsletters are usually the main sources that let you know about any upcoming deal for its loyal subscribers. Become a subscriber so that you can stay alert and grab the business class flight deal as and when it comes.

    Use elite airline credit cards
    Elite travel cards like American Express Platinum offers rewards and perks that cannot be found elsewhere. Once, a person signs up and spends a certain amount within a fixed period of time, they get bonuses. One of them is a chance to get a cheap first class flight ticket. This is useful for people who make large business transactions through this card.

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  • Where can I find Outback Steakhouse coupons?

    Outback Steakhouse is famous for their Aussie-style dishes. They are known for their surf-turf classics, and appetizers like Bloomin’ onions. They even have their own proprietary brown bread. Despite its steak-heavy menu, it is one of the popular affordable casual restaurant chains. Known for their steaks, Outback Steakhouse offers seven types of steaks to choose from. Their signature dish includes Sirloin, Ribeye, New York Strip, Bone-in Natural Cut Ribeye, Filet Mignon, Porterhouse, and slow-roasted Prime rib.

    Here how can bag Outback Steakhouse coupons and discounts:

    Outback.com
    The official website of Outback Steakhouse has a separate column for offers. The columns get updated frequently with new offers. They type of offers listed on their website are special, coming soon, and Promotional. Purchasing a $50 Outback gift card will give you a free $10 bonus card. Outback Steakhouse offers 15 % discount to US veterans and their families. All you need to carry is a document or card that proves of your current or past military service. Keep in mind that these offers are valid for a particular period of time.

    Download the new Outback App
    The new Outback app lets you browse the menu. You can even check wait times, pay your bill and receive special offers and (digital) coupons straight on your cellphones.

    Signing up
    You can sign up on their official website. Outback Steakhouse will send weekly or monthly newsletters straight in your email inbox. These could be either digital or printable coupons depending on the type of promotion offered by Outback Steakhouse.

    AARP members
    Outback Steakhouse offers 10% discount on any day of the week for lunch and dinner to AARP members. You just need to show your AARP membership card at the counter to avail the offer. Offer is not valid for online orders.

    Offers.com
    They have a new loyalty program. You get $5 off your next visit and 50 percent (that is up to $20) off on every fourth visit. All you need to do is join the new dine rewards loyalty program. The loyalty program is valid at Carrabba’s, Outback Steakhouse, Bonefish Grill and Fleming.

    CouponSherpa.com
    CouponSherpa.com together with CouponClippers.com offers Outback Steakhouse coupon strip which includes $5 off 2 adult dinner entrees. Each coupon is priced at $0.20, the coupon strip consists of 800 coupons. Before buying the coupons, do check the expiry date of the offer.

    There are many other coupon websites that offer both digital as well as printable coupons. Most of these offers can be seen on the Outback Steakhouse official website. Be aware of the fact that all these offers and coupons have an expiry date.

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  • Top 5 Chromebooks to choose from

    Chromebooks are known for having low malware susceptibility; they are the least likely to be attacked with viruses or spyware in comparison to more vulnerable operating systems. As the world moves to online operations, people have started to rely on tech systems even more. And Chromebooks have become the first choice, thanks to the secure and seamless experience, complete with the Google ecosystem. Here’s a round-up of five of the best Chromebooks to check out. 

    Acer Chromebook Spin 713
    With impressive battery life and a bright and colorful display, the Acer Chromebook 713 is one of the best Chromebooks on the market. It costs around $700 and packs premium performance, thanks to its Intel Core i5-10210U Processor and Intel UHD RAM. The Chromebook, weighing 3 pounds, is compact and easy to carry and has a versatile form factor, making it a spectacular offering at this rate. 

    Asus Chromebook Detachable CM3
    The Asus Chromebook Detachable CM3 looks like you are carrying a tweed journal and weighs about the same too. Weighing roughly 2 pounds, the Asus Chromebook packs powerful performance in a sleek and portable style, coupled with great battery life. The device has a built-in stylus and uses an Intel Core m3-8100Y Processor with 4 GB RAM. It has a fabric finish and meets the MIL-SRD810H standards, meaning that it can withstand bumps, shocks, and temperature changes, making it durable. 

    Samsung Chromebook 3
    Popularly ranked the best Chromebook for students, the Samsung Chromebook 3 packs a bright screen with excellent battery life in a top-performing device. With a 1.6-GHz Intel Celeron N3060 Processor and 4GB RAM, the Chromebook can handle multitasking like no other. It weighs roughly 2.5 pounds, making it easily portable, and costs the same as a phone, which is around $229.99. 

    Google Pixelbook Go
    The Google Pixelbook Go is one of the slimmest and lightest Chromebooks on the market, weighing just 2.3 pounds. With a powerful Intel Core i5-8200Y Processor and 8GB RAM, the Google Chromebook offers impressive speed and performance along with super-long battery life to ensure true portability. The device is priced at $649 and features ultra-quiet Hush keys for smooth but silent performance throughout the day. 

    Lenovo Thinkpad C13 Yoga Chromebook
    The Lenovo Thinkpad C13 Yoga Chromebook has a durable, lightweight design, colorful display, and great performance, thanks to its AMD Ryzen 5 Pro 3500C Processor and 8GB RAM. It offers durability and security and is sold with a stylus. It has a military-tested chassis, meaning that it can tolerate some falls and shocks, making it a sturdy option. The C13 retails for around $600 on Lenovo’s website. 

    Chromebooks are known for being budget-friendly, portable, and secure. Although, be aware that some premium options may cost more for their battery life, display, or other offerings. They are lightweight devices that are easy to carry and generally function from the OS Cloud, freeing up space on your laptop for speedy performance and more storage. Choosing the right Chromebook for you may sound like a tough decision, but that is only because there are so many great options to choose from.

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