Knowledge Center
Education and knowledge are key to any decision.
Buying or refinance a home is a big decision for any current or future homeowner. We try to provide articles and helpful information to anyone seeking to learn more about their homeowner journey.
Articles
Why Buying Down the Rate on Your Mortgage Could Be a Smart Move
BY CIARA MILLER | 3 MIN READ
When you’re buying a home or refinancing your mortgage, one option that might come up is paying “discount points” to lower your interest rate. But what are discount points, and why would paying them make sense? While not every borrower will benefit from paying points, for the right person, they can result in significant long-term savings…
Should I wait to refinance?
BY JOSH CASH | 2 MIN READ
There are several reasons why waiting to refinance (refi) your mortgage might not be the best strategy, even if you’re hoping for lower interest rates in the future…
Smart Strategies for Young Homeowners.
BY BRANDON JOHNSON | 3 MIN READ
For many young homeowners, the idea of paying off a mortgage early can seem like a distant dream. However, with the right strategies, it’s possible to significantly reduce the time it takes to become mortgage-free—and save a considerable amount of money in interest along the way. Paying off your mortgage faster not only provides peace of mind…
The Importance of Getting Pre-Approved.
Buying your first home is an exciting milestone, but before you start browsing listings, there’s a crucial step you shouldn’t skip: getting pre-approved for a mortgage. While it might seem like an extra hurdle, pre-approval offers significant advantages that can streamline your home-buying…
Why a HELOC May Be the Better Choice Over a Cash-Out Refinance
BY CIARA MILLER | 3 MIN READ
As a homeowner, you might find yourself in need of extra funds for various reasons—perhaps to fund home improvements, consolidate debt, or cover educational expenses for your children. When considering how to tap into your home’s equity, two common options often come to mind…
Understanding the Differences Between a HELOC and a HELOAN
BY BRANDON JOHNSON | 3 MIN READ
As a middle-aged homeowner, you may find yourself considering ways to leverage your home’s equity to fund important life projects—whether it’s home renovations, educational expenses, or consolidating debt. Two popular options for accessing home equity are a Home Equity Line of Credit (HELOC) and a Home Equity Loan (HELOAN)…
The Benefits of FHA Loans for First-Time Home Buyers
BY CIARA MILLER | 3 MIN READ
Navigating the path to homeownership can be challenging, especially for first-time buyers who may face financial hurdles. Fortunately, Federal Housing Administration (FHA) loans provide a valuable option that can ease the journey to owning a home. Here’s a look at the key benefits of FHA loans and why they are an excellent choice for many first-time home buyers…
Is Buying down your rate worth it?
BY CIARA MILLER | 3 MIN READ
A mortgage buydown is a financing strategy where the borrower or a third party, such as the seller or builder, pays an upfront sum to reduce the interest rate on the loan, making monthly payments lower, especially in the early years of the mortgage…
Buying a Home vs. Renting: Why Homeownership Can Be a Smart Move for Young Adults
BY JOHN CASH | 5 MIN READ
As a young adult, the decision between renting and buying a home can be daunting. While renting offers flexibility and less immediate financial commitment, buying a home can provide significant long-term benefits that may outweigh the short-term advantages of renting. Here’s why homeownership might be a smart move for you…
