If you’re dreaming of buying a home in 2025, you’ve likely noticed that mortgage rates are stubbornly high, hovering around 6.5% to 7% for a 30-year fixed-rate mortgage. These rates, while lower than the 7.8% peak in 2023, are a far cry from the sub-3% rates of 2021, making homeownership feel out of reach for […]
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One of the most important steps in the home buying process is getting pre-approved for a mortgage. Pre-approval gives you a clear idea of how much you can borrow, helps you set a realistic budget, and shows sellers that you’re a serious buyer. For first-time home buyers, this process can seem daunting, but with the
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Buying a home is a major milestone, but for most people, it’s not something you can pay for in cash. That’s where a mortgage comes in—a loan that helps you purchase a home by spreading the cost over many years. Understanding what a mortgage is and how it works is essential for first-time buyers, as
What is a Mortgage and How Does It Work? Read More »
