If the lender agrees to release the seller from being personally liable for the mortgage, the seller will be required to obtain the release of liability form at the time the property is sold. Usually, if the buyer is deemed creditworthy by the lender, the lender may agree to grant a release of liability to the seller. Credit Approval The seller must submit a request for credit approval for a substitute mortgagor, if the seller wants to be released from liability from the loan. You will be required to submit a mortgage application for approval with supporting documents to show your income and monthly debt, and the lender will determine whether you are authorized to assume the mortgage based upon the lender's underwriting guidelines and credit analysis. Depending on the lender, you may also be eligible for secondary financing with new mortgage repayment terms in addition to the terms of the assuming mortgage. Restrictions The lender determines whether there are any restrictions on your ability to take title to the home subject to a mortgage.
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If you've looked at your energy bill lately and seen room for improvement, you just have to look toward the sky for a possible solution: the sun. Solar power allows you to harness the sun's energy and use it in your home. In some cases, you might even be able to fully disconnect from the main electrical grid or at the very least, reduce your dependence on it. Plus, it boasts low maintenance costs over its lifespan. Installing solar panels is a big decision and investment. But, how do you know if solar is right for you? Understand the pros and cons below. What is Solar Energy? Advantages of Solar Energy Disadvantages of Solar Energy What is Solar Energy? The sun creates a lot of energy and it takes just about 8 minutes for the sun's energy to make the multi-million-mile trip to earth. Every hour, the earth gets enough solar energy to power the entire world for a year. Pretty impressive! Now that you know how much potential energy is coming down to our blue planet, you might wonder how you actually can leverage it for your own home.
All applicants must submit standardized test results by the application deadline to be considered for admission. Everyone's schedule will vary, but here is a possible timeline for preparation: If you are applying for the Round 1 deadline in early December, start studying in July with a plan to take the test in September. If a second test is needed, you'll have time for additional preparation before you take the test again in November. You'll also have the option of taking more time to prepare and applying in Round 2. If you are applying for the Round 2 deadline in early February, start studying in September with a goal of taking the test in November. If you decide to take a second test, you can retake it in January. Kristina: Make sure you carve out enough time to take the test. Don't try to squeeze it into your schedule; you want to be in the zone when you take it. Also, leave enough time in case you want to take the test again before the admissions deadline. I was planning to apply in Round 1, so I took the exam in November.
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