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Step 1
Of course, getting an easy mortgage is really easy if you have good credit and you're not overextended. However, an easy mortgage can be made even easier by choosing the right lender. The ideal situation is to choose a lender that you have established a relationship with already, as they will already have access to some of your financial history.
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Step 2
If you don't have good credit, getting a mortgage is still possible, and even easy. If you know a lender who will hand underwrite your loan, your mortgage can be easy and pain free.
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Step 3
If your mortgage isn't going to go through the traditional way, get a cosigner. If your cosigner has good credit, then the mortgage will be as easy as ever.
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Step 4
Another option for a really easy mortgage is to see if someone (your parents for example) will get the mortgage for you. It can be a tax write-off for that person, whom you would technically be paying rent to.
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Step 5
Another kind of easy mortgage is renting to buy. You'll probably pay a fortune in rent for two to five years, but there is usually a guarantee of financing after that initial period. Meanwhile, you've lived in the house and made it feel like home.
