MORE: Calculate your refinance savings 2. Prepare in case rates drop Youll want to get your refinance application in as soon as possible, not only to catch low rates before they rise, but also to avoid a backup in refinance applications should rates suddenly fall, according to Casey Fleming, author of The Loan Guide: How to Get the Best Possible Mortgage. This is the biggest mistake I think people make, Fleming says. If youre not in the pipeline ready to go when the interest rates start moving down, all of a sudden you have to get in the back of the line, and oftentimes you miss the dip in the rates. Fleming says that youre not obligated to lock in a rate when you submit your application. You can wait and watch the market for as long as you want. If youre not ready to submit your application just yet, work on keeping your credit score up, have your financial documents ready to go, and save money for the upfront refinancing fees. Just remember that rates are rising slowly but steadily. 3. Make sure your credit score is in good shape Acting fast on a refinance may not be worth it if your credit score isnt in top shape. Your credit score plays a big part in the rate you can get on a mortgage. Just because low rates are out there doesnt mean youll qualify for them.
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However, you will have to ask your RA for a recommendation. Be sure to ask them ASAP so you have a chance at living in the LLC! Once the app is done, youll be notified of your acceptance on Feb. 22, and then youre all set for housing. There you have it! Your guide to applying to the LLC. Hopefully youll be able to watch all of your friends stress over the suite in Nuss getting taken by the group before them. Check Out Your URLDreading housing selection already? Spectrum will be covering housing with The Shaft . Check back in late February for all of your up-to-the-minute housing content.
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