Credit
Understand what makes up your credit score, how lenders use it, and the simple steps you can take to improve your credit before buying a home.
Closing Costs
Get a clear overview of what closing costs include, why they matter, and how you can pay less upfront when buying a home.
Appraisals
Learn what an appraisal is, why lenders require it, and how it helps confirm a home’s value during the mortgage process.
Private Mortgage Insurance (PMI)
Understand why PMI is required on Conventional loans with less than 20% down, how it protects lenders, and when it can be removed as you build equity in your home.
Refinance
Refinancing your mortgage can help you lower your monthly payment, remove mortgage insurance, shorten your loan term, or access your home’s equity.
Debt-to-Income
See how your debt-to-income ratio affects loan approval, monthly payments, and which programs you qualify for.