Explore these essential Finance / Loans Advice topics every homeowner should consider—brought to you by our trusted local professionals who know how to protect what matters most.
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- The difference between pre-qualification and pre-approval.
- How your credit score affects your loan options and interest rate.
- Why you should avoid major purchases before closing on a home.
- What lenders look for in your debt-to-income (DTI) ratio.
- How much money you really need for a down payment (it’s not always 20%).
- The real cost of owning a home beyond the mortgage (taxes, insurance, maintenance).
- How student loans impact mortgage approval.
- How job changes can affect your loan approval process.
- What documentation you’ll need to apply for a mortgage.
- How to estimate what monthly payment is truly affordable for you.
- The differences between conventional, FHA, VA, and USDA loans.
- What first-time home buyer programs are available in your area.
- How adjustable-rate vs. fixed-rate mortgages work.
- Understanding jumbo loans and when you need one.
- When an interest-only loan might (or might not) be a good option.
- Why getting pre-approved gives you buying power in competitive markets.
- What happens during the underwriting process.
- How mortgage rates are determined (and what affects them daily).
- What happens at closing and what fees you should expect.
- How long it typically takes to close on a home loan.
- How to shop for the best mortgage lender or broker.
- What discount points are and when to consider paying them.
- Why you should compare APR, not just interest rates.
- How PMI (private mortgage insurance) works — and how to remove it.
- Common mistakes that delay or derail mortgage approval.
- When refinancing might make sense in the future.
- How to build equity in your home over time.
- Why your mortgage should fit into your long-term financial plan.
- How to prepare financially 6–12 months before house hunting.
- Why having a trusted lender is as important as having a great Realtor.