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Lending Team|Personalized Mortgage Experience
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Mortgage Basics
Read a loan estimate and know exactly what you are looking at.
In this path
- 01What is the difference between interest rate and APR?The rate sets your payment. The APR folds in lender costs to show the loan's total cost, which makes it useful for comparing offers.4 min read
- 02Should I choose a fixed or adjustable rate?Fixed if you plan to stay long or value certainty. Adjustable only if your horizon is clearly shorter than the fixed period and you can absorb an adjustment.5 min read
- 03What is mortgage insurance and when does it go away?It protects the lender when you put down less than twenty percent. On conventional loans it can be removed; on most FHA loans it stays for the life of the loan.5 min read
- 04What is an escrow account and why did my payment change?Escrow collects taxes and insurance with your payment. When those bills rise, your payment rises, even on a fixed rate loan.4 min read
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