MORTGAGE

Preparing For Homeownership

• Rent vs. Buy
  Understand the financial differences between renting and homeownership.
• Tax Savings
  Learn about the potential tax savings with homeownership.
• How Much Can You Afford
  Research how much house works within your budget.
• How Much Can You Borrow
  Learn how much money you might be able to borrow.
• Should I pay points to lower the rate?
  Learn how paying points upfront can change your loan.

Refinancing your Home

• To Refinance or, Not to Refinance...
  Am I better off refinancing?
• Refinancing Costs
  Understand what your refinancing costs might be.
• Compare different Loans
  Find out the bottom line between two loans.

All About Mortgages

• Mortgage Insurance
  How can I reduce mortgage insurance costs?
• Down Payments
  Research how much of a down payment you should consider.
• Closing Costs
  Estimate what your closing costs might be.
• Fixed or Adjustable-Rate
  Understand the financial differences between the fixed and adjustable-rate mortgage.
• Adjustable-Rate Mortgages
  Find out how much monthly mortgage payments might be with an adjustable-rate mortgage.
• 15-year or 30-year Term
  Learn how a different term affects your mortgage payment and overall cost of the loan.
• Making extra payments
  Learn how making extra payments affects the overall cost and term of your mortgage.