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Stories

How Mortgage Points Change Your Real Homebuying Cost
Mortgage points can reduce your interest rate, but the discount comes with an upfront charge. That tradeoff is easy to misunderstand when a lender presents a…
Why a Larger Down Payment Does Not Always Save You Money
A larger down payment can reduce the amount you borrow, lower your monthly principal and interest payment, and shrink the total interest charged over the life…
How Your Down Payment Changes Your Monthly Mortgage Payment
The amount you put down when buying a home affects far more than the cash needed at closing. It changes the size of your mortgage, the interest you pay over…
What A Mortgage Pre-Approval Letter Really Tells Sellers
A mortgage pre-approval letter is a lender’s written indication that a borrower may qualify for a home loan up to a specified amount. It is based on…
How a Fixed-Rate Mortgage Protects Your Budget
Buying a home often means making the largest long-term financial commitment of your life. Because mortgage payments can last for 15, 20, or 30 years, the…
How health care costs shape your home buying budget
Buying a home requires more than saving for a down payment and estimating a monthly mortgage payment. Your household budget must also account for health…
How Car Loan Debt Affects Your Mortgage Application
Buying a car and buying a home are major financial decisions, and the timing of one can influence the other. When you apply for a mortgage, lenders review your…
How to Decide Whether Renting or Buying Makes Sense in a High-Cost City
Choosing between renting and buying in an expensive city involves more than comparing rent with a projected mortgage payment. Property prices, interest rates,…
How to buy a home from an estate with an executor
Buying a property from an estate can provide access to a well-located home, but the transaction often follows a different path from an ordinary resale. The…
Due-On-Sale Clauses and Your Mortgage Rights
What is a due-on-sale clause and how can it affect you? It is a provision in many mortgage agreements that gives the lender the right to demand full repayment…