Should You Pay Points to Lower Your Mortgage Rate?
A simple guide to mortgage points, rate buydowns, break-even math, monthly savings, and how to decide whether paying points upfront makes sense.
Piggyback HELOC Explained: How Buyers Can Avoid Jumbo Pricing
A piggyback HELOC, sometimes called a piggyback loan or piggyback second mortgage, is a financing structure where a borrower uses a first mortgage and a second mortgage or HELOC at the same time. For buyers in higher-priced markets, this can help structure a purchase without pushing the first mortgage into jumbo territory. This strategy can […]
What Is a Bank Statement Loan? Self-Employed Mortgage Guide
A simple guide to bank statement loans, how they work, who they help, and why they may be useful for self-employed borrowers with non-traditional income.