Mortgage Blog
Plain answers to expensive questions
No listicles, no fluff. The calculations and trade-offs we walk clients through every week, written down so you can read them first.
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How Much House Can I Afford? The Math Lenders Actually Use
Lenders will approve you for more than you should spend. Here is how they get to their number, and how to get to yours.
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FHA vs Conventional: Which One Costs You Less?
Below about 680, FHA usually wins. Above it, conventional usually does. Here is the whole comparison, including the part about mortgage insurance that never comes off.
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The Only Refinance Calculation That Matters
Forget the 1% rule. Divide your closing costs by your monthly savings and compare the answer to how long you are staying. That is the entire decision.
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