Finance / Loans Advice

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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  1. The difference between pre-qualification and pre-approval.
  2. How your credit score affects your loan options and interest rate.
  3. Why you should avoid major purchases before closing on a home.
  4. What lenders look for in your debt-to-income (DTI) ratio.
  5. How much money you really need for a down payment (it’s not always 20%).
  6. The real cost of owning a home beyond the mortgage (taxes, insurance, maintenance).
  7. How student loans impact mortgage approval.
  8. How job changes can affect your loan approval process.
  9. What documentation you’ll need to apply for a mortgage.
  10. How to estimate what monthly payment is truly affordable for you.
  11. The differences between conventional, FHA, VA, and USDA loans.
  12. What first-time home buyer programs are available in your area.
  13. How adjustable-rate vs. fixed-rate mortgages work.
  14. Understanding jumbo loans and when you need one.
  15. When an interest-only loan might (or might not) be a good option.
  16. Why getting pre-approved gives you buying power in competitive markets.
  17. What happens during the underwriting process.
  18. How mortgage rates are determined (and what affects them daily).
  19. What happens at closing and what fees you should expect.
  20. How long it typically takes to close on a home loan.
  21. How to shop for the best mortgage lender or broker.
  22. What discount points are and when to consider paying them.
  23. Why you should compare APR, not just interest rates.
  24. How PMI (private mortgage insurance) works — and how to remove it.
  25. Common mistakes that delay or derail mortgage approval.
  26. When refinancing might make sense in the future.
  27. How to build equity in your home over time.
  28. Why your mortgage should fit into your long-term financial plan.
  29. How to prepare financially 6–12 months before house hunting.
  30. Why having a trusted lender is as important as having a great Realtor.
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