The National Association of Realtors found that staged homes sold in 9 - 13 days, as opposed to 31 for non-staged homes.
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The Federal Truth in Lending Act protects the borrower by requiring the lender to inform the borrower of all costs and terms when the application is given. There are other firms which provide services for buyers or sellers of both kind of real estate. Since a mortgage lender cannot trust a person with a bad credit rating, bad credit mortgage generally requires you to put forth collateral.