Latest Articles

Is It Worth It To Pay Mortgage Points

Mortgage points, also known as discount points or simply points, are fees paid directly to the lender at closing in exchange for a reduced interest rate on a mortgage loan. One mortgage point is equal to 1% of the total loan amount you pay. If you’re borrowing $250,000, one point would cost $2,500. But are […]

Closing Costs: A Comprehensive Guide

Buying a home is an exciting process, but it’s important to remember that there are costs associated with homeownership beyond the principal and interest amounts. Closing costs are one of those costs, and they cover a range of fees related to transferring the title from the previous owner’s name to yours. Let’s break down what […]

Setting Your Mortgage Budget

Ready to take the plunge into homeownership? Before you start your house hunt, it’s important to know how much of your income you can allocate to your monthly mortgage budget. Here, we’ll discuss how to determine your mortgage budget, allocate your income, and what expenses to include.   Determining Your Mortgage Budget  The most important […]

VA Loans Explained

At some point in their lives, many veterans consider using a VA loan to buy a home. But what is a VA loan? How does it work? Who qualifies for one? And what are the requirements? We’re here to answer all those questions and more in this comprehensive guide to VA loans. What Is a […]

Why Pre-Approval is a Game Changer

If you’re planning to buy a home this year, you might have heard that pre-approval is a necessary step to take before starting out on your journey. But why is that? And is it still important in today’s shifting market? The truth is, getting a pre-approval letter from your lender is critical. When it comes […]