Educational Resources
Empowering You with the Knowledge to Make Informed Mortgage Decisions
We believe an informed borrower is a confident borrower. That’s why we’ve curated the most helpful and easy-to-digest resources from the Consumer Financial Protection Bureau (CFPB) to help you understand the mortgage process, avoid costly mistakes, and make decisions with clarity.
Fixed vs Adjustable-Rate Mortgages
Choosing between a fixed-rate mortgage and an adjustable-rate mortgage (ARM) is one of the most important decisions you'll make as a borrower.
What Is an Escrow (Impound) Account?
An escrow account (also known as an impound account) is a financial arrangement where your lender collects funds each month to pay for property taxes and homeowners insurance on your behalf.
What Are Points and Upfront Fees?
When getting a mortgage, you may encounter the option to pay "points" — upfront fees paid to reduce your interest rate.
How to Stop Spam Calls After Pulling Credit
After you apply for a mortgage or auto loan, you may notice an increase in unsolicited calls, texts, or emails. This isn't a coincidence.
Do Multiple Credit Pulls Hurt My Score?
One of the biggest myths in mortgage shopping is that getting multiple rate quotes will hurt your credit score. Here’s the truth:
How to Read a Loan Estimate
When you're buying a home or refinancing, you'll receive a document called a Loan Estimate.