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When you are signing your loan documents, remember that you are entitled to sign these without the seller or their agent being present, as some of your personal financial information may need to be discussed with the closing agent.

Factors of primary concern include the credit report, which details the loan history, credit cards, mortgages, bankruptcy filings and other financial information.

Most traditional agents offer MLS access in their local markets.

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Real estate sellers prefer to accept an offer from a buyer who already has a loan commitment than from those without.

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