Mortgage Basics

Homebuyers
April 14, 2026

If Every Lender Had the Same Mortgage Rate, Who Would You Choose?

If you’re thinking about buying a home, refinancing a mortgage, or pulling equity out of your property, how do you choose which lender to work with?

Homebuyers
April 3, 2026

Need a Down Payment for a Home? How to Maximize Your Tax Return

A tax refund can help you save for a home purchase faster, if you know how to maximize the return.

Homebuyers
March 30, 2026

The 28/36 Rule for Mortgages: Why You Need to Understand These Numbers Before Buying a Home

Lenders often use the 28/36 mortgage rule to ensure you can afford a home. You can also use this rule to set your own budget before you begin home shopping.

Homebuyers
March 24, 2026

How Homebuyers May Qualify for a Mortgage with Student Loan Debt

Student loan debt can make it difficult for many to save up for a down payment. But it doesn’t mean that qualifying for a mortgage with student debt is impossible.

Homebuyers
February 20, 2026

Decoding Real Estate Lingo: What These Common Terms Really Mean

Here’s how to decode some of the most common real estate euphemisms and avoid falling for listing lingo that oversells or underdelivers.

Homebuyers
February 10, 2026

Small Interest Rate Drops, Big Savings: What a 1% Difference Means for Mortgages and Refinances

Mortgage rates are nearly a full percentage point lower than they were last year at this time. A decrease like that can unlock serious savings. Here's how.

Homebuyers
February 5, 2026

Fannie Mae and Freddie Mac: How They Make Homeownership Possible for Millions of Americans

Why are Fannie Mae and Freddie Mac so essential to the housing market? Keep reading to find out.

Homebuyers
January 21, 2026

This Is How Much Your Mortgage Interest Rate Will Really Cost You

In honor of Financial Wellness Month, let’s explore how much mortgage rates really cost you in the long run—and how you can keep those costs down.

Homebuyers
January 16, 2026

A Competitive Edge: Why You Need a Pre-Approval Letter in a Hot Housing Market

If you’re hoping to buy a home, you’ll want to use every tool at your disposal to make your offer stand out. A mortgage pre-approval letter can be a competitive edge.

Homebuyers
January 13, 2026

First-Time Homebuyer Jitters? How to Overcome 4 Common Mortgage Fears

Even the most prepared homebuyer may have some nagging questions. Below are four common homebuyer concerns and how you can overcome them with minimal stress.

Mortgage Basics Articles

Smart Moves Start Here.