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Does having a savings record make a difference when purchasing a home?

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Mostly your credit will be checked and, though you should have savings, they probably won’t be checking your savings record.

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Sitting down with your bank is your best option. They’ll go over a lot more than just your savings history. Things like your income, your debts, your job history, and your financial status are important to getting a good mortgage and making a smart decision when buying your home.

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