Articles

The Most Common Mistakes First-Time Homebuyers Make (and How to Avoid Them)

Buying your first home is thrilling—but it’s easy to misstep. Below are the pitfalls professionals see most often, plus practical ways to sidestep them and keep your path to homeownership smooth.

Fixed vs Adjustable-Rate Mortgages: What’s Right for You?

Choosing between a **fixed-rate mortgage** and an **adjustable-rate mortgage (ARM)** is one of the biggest decisions you’ll make when financing a home. Each option has clear benefits and trade-offs; understanding them will help you match a loan to your goals and risk tolerance.

How Your Credit Score Affects Your Mortgage Rate

Your credit score is one of the most important factors lenders consider when you apply for a mortgage. It not only affects whether you'll qualify for a loan, but also has a big impact on the interest rate you'll pay—and that can mean tens of thousands of dollars over the life of your loan.

How Much House Can You Afford?

As a mortgage professional, one of the first questions I hear from clients is, "How much house can I really afford?" It's an important question—and the answer depends on your income, expenses, debts, down payment, and more. Here's what I recommend when you're trying to figure out your homebuying budget.

How to Use a Mortgage Calculator to Plan Your Home Purchase

Buying a home is one of the biggest financial decisions most people ever make. But before you fall in love with that dream house, it's crucial to understand what you can actually afford – and what your monthly payments will look like. That's where a mortgage calculator comes in.

The Impact of Down Payment Size on Your Mortgage

One of the most important choices you'll make when buying a home is how much to put down as your down payment. As a mortgage professional, I always encourage clients to look closely at their options, because your down payment size affects your monthly payment, interest rate, mortgage insurance, and even your ability to qualify for a loan.

Mortgage Pre-Approval: Why It Matters and How to Get It

Getting pre-approved for a mortgage is one of the most important steps you can take before starting your home search. It gives you a clear picture of your buying power, makes you a stronger buyer in the eyes of sellers, and can help you move quickly when you find the right property.

Refinancing Your Mortgage: When and Why to Consider It

As a mortgage professional, I talk to many homeowners who wonder whether refinancing is the right move for them. Refinancing your mortgage can be a smart financial decision—but it isn't always the best choice for everyone. Here's what I tell my clients when they're considering a refinance.

The Step-by-Step Process of Getting a Mortgage in the USA

Getting a mortgage can seem complicated, but breaking it down into clear steps can help you move forward with confidence. Whether you're a first-time homebuyer or just need a refresher, here's a step-by-step guide to the mortgage process in the USA.

Understanding Your Monthly Mortgage Payment: Breaking Down the Numbers

Your monthly mortgage payment is more than just principal and interest—it's a combination of several factors that together make up the real cost of homeownership. Understanding each part of your payment can help you plan your budget, avoid surprises, and make smarter decisions when buying or refinancing a home.