As a trusted mortgage broker, one of the questions we frequently address is, “How much should you put down on a house?” The answer isn’t uniform; it hinges on your unique financial objectives and current circumstances. While a larger down payment offers advantages, committing too much can leave you financially constrained after your move.  In…

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Securing a mortgage is a significant financial decision that requires careful consideration and comparison of various factors. When you’re shopping for a mortgage, one crucial step is to compare Good Faith Estimates (GFEs) or Loan Estimates (LEs) provided by different lenders. These documents outline the terms, costs, and details associated with the loan you’re considering.…

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Buying your first home is an exciting journey filled with countless decisions and considerations. Among the most critical choices is securing a mortgage with a favorable interest rate. As an inexperienced home buyer, understanding mortgage terms can be overwhelming, but one term you should be aware of is the “float-down policy.” In this blog post,…

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