Everyone wants a home in their home. But given the rising prices of houses, it is hard to get one without loans. There will be a rise in the price of houses in the next five years by 5-8%. And hence, foreseeing this price increase, a lot of people are rushing forward to purchase the homes when they are still in their budget or possibility. But it is easier for people with a longer credit history to get loans.
But young people with new jobs often find it hard to get home loans. A popular mortgage broker from Los Angeles mentioned that it might be possible for young people to get home loans if they have a credit union account. The salary history of younger people is not sufficient to meet most underwriting requirements. They have low FICO scores; that’s why they can’t get loans.
The credit union does manual underwriting, which allows them to skirt the rigid standards imposed by others. They can give away loans even when the borrower does not tick all the required boxes.
Sometimes young home buyers also need their parents to become the loan co-signers. Not because they have bad credit but because they have to pay high down-payment and high interest. Most of the youngsters make money but can’t spend it on the loan because they have to pay off student loans. In such cases, parents can help out their kids and Co-sign the loan with them and gift their child money for a down payment.
Buying a home is a dream come true for youngsters. It is better to buy a home now, rather than waiting for another ten years.
5 Things to do in Maryland
The East Coast of the US has a lot to offer, and although might not be top of the list for everyone, there are so many reasons why you should visit Maryland. Head to Maryland’s largest city, Baltimore – explore the harbour, or visit the beach to experience the excitement of the amusements. Immerse yourself in history with the range of museums and monuments that Maryland has to offer. Here are the top 5 things that you can do when visiting Maryland.
1. Oriole Park at Camden Yards
If you’re a sports fan heading to Maryland, visiting Camden Yards is a must. Home to the Baltimore Orioles, Camden Yards was opened in 1992, it’s a retro-style park and it has been from the day it was built! If you’re planning on visiting this old-school stadium, you’ll be headed right into the heart of Baltimore’s inner harbour, with a huge variety of things to see and do, experiencing an Oriole’s game means you can experience this quaint park, as well the stunning harbour surroundings. Soon, you’ll be able to place moneyline bets online in Maryland, so you can add a whole new level of excitement to your favourite baseball games.
2. Ocean City Boardwalk
Baltimore’s boardwalk is one of the best in the country, so if you’re looking for things to do in Maryland, this should be top of your list! The boardwalk itself dates to 1902, but it is still one of the most exciting places to visit this day. Situated right on the beach, there’s an abundance of fun to be had here, and a lot of the time, the activities are free!
Morning or night, you can guarantee there is always something to see and do. You can head to the amusements, with arcades that are fun for the whole family, or if you’re more of a thrill-seeker, ride the rollercoaster or take in the stunning views from the top of the Ferris wheel. If you’re hungry, you’ll want to try Maryland’s famous crab cakes or if you’ve got a sweet tooth, the saltwater taffy or hot funnel cakes might be more your style. The boardwalk has something for everyone, shops, amusements, and food – not to mention the beach!
3. Maryland Science centre
A trip to Maryland wouldn’t be complete without a trip to the Maryland science centre. Fun for both kids and adults, you can immerse yourselves in all things science. With three levels of exhibits, you can delve into learning more about astrology, palaeontology, physics and how the human body works. One of the most stunning attractions at the science centre is the rooftop observatory that allows you to explore the night sky. The planetarium is also not to be missed – an Imax theatre which features films on all things from space to butterflies.
4. Fort McHenry
Fort McHenry is well worth a visit for history experts and novices alike. This fort was built to defend Baltimore Harbour from a British attack in 1814. It has since then been named a ‘National Monument and Historic Shrine’. The Fort is open to visitors and is a must-see. When visiting you can choose one of the many tours to ensure you get the most from your time here, you can choose to pay for entry, or just take it all from a walk along the path near the bay.
The visitor centre itself has artefacts and information, as well as a 10-minute film on the fort’s history that is not to be missed. Make sure you walk around the fort before you enter the grounds, and you’ll get to see canons that were used in World War 2.
5. Baltimore National Aquarium
The National Aquarium is considered one of the best in the Nation – so when planning your trip to Maryland, set aside some time to explore the thousands of animals it has to offer. The aquarium is situated in the Inner Harbour, so is easily accessible. Here, you can explore the depths of the ocean, the rainforest and more! This aquarium has it all – watch the sharks circle, the various species of birds take flight and watch the crocodiles snap. When visiting, you can choose a guided tour or just take your time, soaking up all that this attraction has to offer.
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