Picture this: You’re scrolling through home listings on a lazy Sunday afternoon, coffee in hand, dreaming about that perfect place to call your own. You find a cozy three-bedroom with a backyard that’s just right for summer barbecues. The price tag? $350,000. Your brain immediately does the math, 20% down means you’d need $70,000 saved…

Picture this: You’re sitting at the table, ready to sign your loan disclosures for your new home. Your loan officer slides a document across the table and asks, “Would you like to buy points to lower your interest rate?” You pause. Points? Is this some kind of game show? Should you phone a friend? Don’t…

Picture this: You’re sipping your morning coffee, scrolling through your phone, when a headline catches your eye about mortgage rates. Your heart skips a beat as you remember the 8% rate you locked in during 2023’s wild market ride. Meanwhile, your neighbor just mentioned they’re refinancing at something much lower. Sound familiar? If you’re a…