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48 Meriden Rd, Suite 1, Middlefield, CT 06455

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Understanding How Debt-To-Income (DTI) Works When Applying For A Mortgage

What is DTI? When applying for a Mortgage, your DTI plays a huge factor in qualifying for a mortgage. Debt-to-income (DTI) is a ratio which Loan Officers, like myself, look at to determine whether or not you are able to qualify for a mortgage. DTI is based on your monthly Debt and monthly Income.  …
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Fix and Flip Connecticut Investor Mortgage Program

Ideal for Investors First of all, do you have an interest to Fix and Flip residential properties in Connecticut? Here at Northeast Financial we offer a very unique product known as Fix and Flip Financing. This product is great for investors because it provides a line of credit that allows you to fix and flip…
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Top 3 Mistakes Not To Make When Buying a Home

Hello everyone, I am Ramazan Sinani from Northeast Financial of Middletown, Connecticut. And today I want to share with you some common mistakes that borrowers make when buying a home.   1. Not getting a Mortgage Preapproval! – The last thing you want to happen is to spend months searching for a home that you…
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How Does Your Income Determine What Mortgage You Qualify For?

Debt to Income Ratio Your monthly debt and monthly income are two important factors in helping mortgage people determine how much of a mortgage you qualify for (Debt to Income also known as DTI).  What many people don’t understand is that the type of property you are buying and your credit score are important in…
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Building Credit If You Are A First Time Home Buyer in Connecticut

Building Credit Building Credit can be pretty nerve wracking when you are a First Time Homebuyer. Below, I’ve put together some tips on building credit as a First Time Homebuyer! Review your Credit Report! At no cost you may request a copy of your Credit Report from all 3 National Credit Bureaus (Experian, Equifax, and…
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Do You Presently Have a FHA Mortgage in Connecticut?

FHA Streamline Mortgages My name is Ramazan Sinani, I am your local Residential Loan Officer at Northeast Financial here in Middletown, Connecticut.  Today I would like to inform you about FHA Streamline Refinance Loans and how they work! First of all, FHA streamline refinances offer many benefits and they are very easy to qualify for…
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Connecticut Mortgage: What Ramazan Sinani Can Offer You

Ramazan Sinani – Your Connecticut Mortgage Loan Originator Hello my fellow Connecticut residents! My name is Ramazan Sinani and I am your local Residential Mortgage Loan Officer at Northeast Financial here in Middletown, Connecticut (covering the entire nutmeg state)! Here at Northeast, we offer a variety of loan products suitable for anyone and any unique…
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Connecticut Land Construction Home Loans

Connecticut Land Construction We are your Connecticut Land Construction resource.  At Northeast Financial, we cover the entire state of Connecticut for when you need a mortgage.  More specifically, we offer a 1 Time Close Ground Up Construction Home Loan program.  That means we can help you buy the land and build the house of your…
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Connecticut: How to get a Mortgage Pre-Approval

Mortgage Pre-Approval One of the most confusing processes when buying a home is the mortgage pre-approval. This process is used to qualify borrowers that are looking to buy a home. The process can help determine up front whether you are able to buy or should wait.   The Process Step 1. In the mortgage pre-approval…
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Connecticut Bad Credit Mortgage Loans

Connecticut Bad Credit Mortgage Loans        Bad credit mortgage programs do exist!  Most people today think in order to refinance or buy a home they need to have high credit scores and perfect credit history.  In today’s mortgage world, loans are available for those who have low credit scores and some blemishes in their credit past.…
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