Mortgage Q&A Blog
Honest answers to the questions first-time buyers and homeowners ask most often.
How Much House Can I Afford on My Salary?
Use the 28/36 rule and a simple sanity check formula to figure out how much home you can genuinely afford on your current income.
→Q&A PostWhat Is PMI and Do I Really Need It?
Learn what private mortgage insurance is, exactly how much it costs, and three legitimate ways to avoid paying it on your home purchase.
→Q&A PostIs It Worth Refinancing My Mortgage Right Now?
Learn how to calculate your refinance break-even point and decide whether refinancing your mortgage makes financial sense in your situation.
→Q&A PostWhat Does My Mortgage Payment Actually Cover?
Understand the four parts of a typical mortgage payment, why the interest-to-principal split changes over time, and how to read your amortization schedule.
→Q&A PostHow Much Should My Down Payment Be?
Compare different down payment options, understand how each affects your monthly costs, and decide whether waiting to save 20% is truly worth it.
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