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Rates matter, but they are not everything

Buying your first house is exciting, but it can also start to feel overwhelming fast. Here's the advice I wish I had known. There’s a lot of noise out there. Rates, headlines, opinions from friends and family, social media advice, and a hundred different directions you can be pulled. If I were buying my first house today, I’d keep it simple. I would treat it like a major financial decision first and an emotional decision second. That doesn’t mean emotion doesn’t matter. Of co

Most of us are savvy shoppers, and nobody likes paying retail. If you’re buying a home or refinancing, you may be asking, what is a mortgage broker and how is that different from working directly with a bank or lender I found online? A mortgage broker is a licensed home loan professional who helps you shop multiple lenders instead of offering only one lender’s mortgage products. Rather than being limited to a single bank, retail lender, or online lender, a mortgage broker wo

Yes, there's going to be some documentation required. The good news is most buyers are surprised at how straightforward the document list really is. One of the first questions people ask when they start thinking about buying a home is, “What documents do I need for preapproval?” It’s a good question, because getting preapproved is usually the first real step in the homebuying process. It helps you understand what you can afford, shows sellers you’re serious, and gives your le