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Conventional Loan Requirements: Mortgage & Down Payment
Learn about conventional loan requirements, including credit score, minimum and higher down payment, conventional loan down payment options, and how to avoid PMI for your home purchase.
6 days ago7 min read
How Interest Rate Changes Affect Your Loan, Mortgage, and Loan Term
Navigating loans and mortgages can be complex, especially with changing interest rates. Understanding how rate fluctuations affect your monthly payments and total cost can help you make informed borrowing decisions.
Oct 96 min read
First-Time Mortgage: How Much are Closing Costs & Calculator
Embarking on your first home purchase can be exciting and overwhelming. Understanding closing costs — which may include appraisal fees, title insurance, and homeowners association fees — is essential to budget accurately and avoid surprises at closing. A closing costs calculator can help first-time buyers estimate these expenses.
Oct 87 min read
How Loan Terms Affect Monthly Payments, Total Cost, and Mortgages
Loan terms play an important role in determining monthly payments, total interest, and the overall cost of borrowing. Understanding how longer and shorter loan terms work can help borrowers evaluate affordability, manage cash flow, and make informed decisions about mortgages and other types of loans.
Oct 57 min read
Cash-Out Refinance: How It Works & When to Use It
Learn how a cash-out refinance works, the requirements, pros and cons, and whether it could be a suitable option for accessing your home’s equity.
Oct 47 min read
Stress-Free Mortgage Process for First-Time Home Buyers
Learn how first-time home buyers can navigate the mortgage process, get pre-approved, and secure the best loan for a smooth home purchase.
Oct 17 min read
How Your Down Payment Can Influence Mortgage Interest Rates
Understanding your down payment can help you make informed decisions about mortgage rates, monthly payments, and long-term costs.
Sep 206 min read
Ways to Reduce Closing Costs When You Buy a Home
Learn practical strategies for managing and potentially lowering the fees associated with buying a home, from lender fees to closing disclosures.
Sep 186 min read
Mortgage Rate Lock: How It Works, Interest Rate Guide
A mortgage rate lock may help borrowers keep their interest rate stable during the loan process, even if market rates change.
Sep 166 min read
Refinance Your Mortgage: Unlock the Benefits of Refinancing Your Home
Refinancing your mortgage can help lower monthly payments, shorten your loan term, access home equity, or consolidate debt. Learn how to evaluate your options, compare rates, and make informed decisions to support your financial goals.
Sep 156 min read
Navigating Mortgage Interest Rates: What to Expect in 2025
This guide provides educational insights on mortgage rates, historical trends, and factors affecting interest rates in 2025, without making predictions or guarantees.
Sep 114 min read
Down Payment Gift Funds: Gift Letter & Using Gifted Money in Pennsylvania
Discover how gift funds can help Pennsylvania homebuyers cover down payments and closing costs. Learn who can give gifts, what documentation is needed, and how different loan types handle gifted money, so you can make homeownership more attainable."
Sep 76 min read
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