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With mortgage rates nearly doubling from 2021 to 2022, many homebuyers are taking a second look at adjustable-rate mortgages (ARMs). In fact, applications for ARMs have tripled since the beginning of 2022. A popular loan in the housing bubble of…
Sure, adjustable-rate mortgages (ARMs) are great during the low-rate introductory period. But what happens when the fixed rate expires and starts adjusting? Higher monthly payments, that’s what. That leaves borrowers in a bind: “Should I refinance or stay the course?”…
Buying a home comes with a hundred decisions, large and small. And some are easier to answer than others. Do I have time (and patience) for a fixer-upper or should I shell out the extra cash upfront for a turnkey…
I have been self-employed for a dozen years, and I love the flexibility and freedom of my schedule — setting my hours and being the boss. But one of the biggest challenges is applying for a mortgage. I’ve gotten a…
In the fourth quarter of 2021, the median home sold for just over $408,000. Could you afford to pay that out of pocket? Probably not. That’s why most homebuyers wind up applying for mortgage loans. Getting a mortgage can be…
Refinancing can be a lifesaver if spiking adjustable mortgage rates are making your payments unmanageable. It can also help you get needed cash by turning your equity into money you can use for emergencies, like replacing a broken-down car. Or…
If you own a home, you probably see a lot of advertisements or get mail about refinancing your mortgage. Refinancing your home loan can help you save money, lower your interest rate, or convert an adjustable-rate mortgage to a fixed-rate…
You need cash for a down payment to buy a house. But your existing monthly debt payments and credit also affect your ability to borrow, your interest rate, and the lender fees you’ll pay. Which says nothing of financial upsides…
Everyone knows that credit card debt is “bad” debt due to the high interest rates on most consumer credit cards, while mortgage debt is often described as “good” debt. But sometimes the distinction between “good” and “bad” debt isn’t so…
House hunting is a bit like dating. Sometimes, you fall for the wrong person – or the wrong house. It’s not at all unusual to fall head over heels in love with a house that’s way out of your budget. You feel like you just have to…
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