Interest rates feel confusing — but they don’t have to be. Here’s a simple breakdown of how rates work, what discount points are, and how to decide if buying points is worth it.

Before you look at houses, you need this step. Pre-approval sets your budget, strengthens your offer, and helps you shop smarter from day one.

Choosing a loan doesn’t have to feel overwhelming. This guide breaks down the most common mortgage types, who they’re best for, and what each one requires.

The appraisal is a major milestone. Learn what appraisers look for, what happens if the value comes in low, and how the process impacts your loan.