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Adjustable-Rate Mortgages: How Interest Rate Cap Structures Work
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that fluctuates – and a rate change can raise or lower the amount of the monthly payments. Is an ARM right ...
Why a 30-Year Mortgage Loan May Be a Smart Choice
Are you thinking a 10-year or 15-year mortgage loan is the right choice for you? Buying a home means taking on a massive debt, and you may want to go with a shorter term to pay off ...
Types of Mortgages for First-Time Home Buyers in Utah County
Are you a first-time home buyer in Utah? Researching your mortgage options is just as important as finding the right neighborhood. By learning about the various home loan programs ...
Mortgage Questions: Pre-Qualification vs. Home Loan Pre-Approval
Many home buyers think of mortgage pre-qualification and mortgage pre-approval as being two terms for the same process. This isn’t the case. Getting pre-qualified for a home loan ...
Beginner’s Guide to Conventional Mortgages
Conventional mortgages can be a smart option for many Utah homebuyers. This type of financing isn’t guaranteed by a government agency, but in most cases conforms to the guideline ...
What Mortgage Refinance Loan Closing Costs Can You Expect to Pay?
To make the right decision on whether or not to take out a mortgage refinance loan, you’ll need to consider not only your personal situation and the current interest rates, but a ...
What is PITI? Deciphering Your Home Loan Payment
Taking out a home loan is a tremendous financial investment, and your mortgage payment may end up being your largest monthly expenditure. As such, you may appreciate knowing where ...