Separate lender charges from the rest of your closing costs
Understanding who charges each item makes a mortgage comparison clearer and helps you ask better questions about the cash needed to close.
Read the articleHOME WITH ERIC · MORTGAGES REIMAGINED
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534 articles to explore · Page 4 of 45
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Compare the whole monthly budget before protecting a low mortgage rate
Eric describes a family whose low mortgage rate did not tell the whole story. Their mortgage, credit card and car payments together mattered more to their monthly budget than the mortgage rate alone.
Read the articlePrepare your next mortgage before listing your current home
Planning the purchase early can reveal which timing options are workable before a home you want reaches the market.
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Why mortgage rates can move before a Fed announcement
This video explains why waiting for a Federal Reserve headline is not a reliable mortgage timing rule. Financial markets respond to expectations and new information before a scheduled policy announ...
Read the articleThree questions that make a rising rate market easier to navigate
Eric points to rate locks, a comfortable payment and seller contributions as options worth discussing when mortgage pricing feels uncertain.
Read the articleCompare a seller credit with a price reduction before negotiating
Eric suggests asking whether a seller credit could help more than a similar reduction in price. The answer depends on your priorities, actual loan pricing and the credit uses your program permits.
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Two questions to ask about a VA refinance offer
The video warns veterans to examine an advertised payment reduction alongside the new loan balance. A refinance can require little cash at closing while still adding costs to the debt.
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Using a HELOC to consolidate debt requires more than a rate comparison
The short describes a home equity line of credit as one way to replace higher-rate balances with a different debt structure.
Read the articleThree questions to ask before choosing a mortgage lender
Eric’s November 2024 Short raises three issues worth discussing while shopping: what “no fees” means, whether you can compare offers comfortably and how the lender handles communication.
Read the articleCompare condos, townhouses and houses by the complete monthly cost
Eric points out that a lower listing price does not always produce a lower household payment. Association charges and other property expenses can change the comparison among homes that initially se...
Read the articleCompare the whole debt picture before giving up a low mortgage rate
Eric's September 26, 2026 short asks whether other expensive debt changes the value of keeping a low mortgage rate. The answer needs a comparison of costs, cash flow and risk across the whole house...
Read the articleCheck the payment before you fall in love with the house
The video’s central warning is simple: being approved for a purchase does not mean you will enjoy living with its payment.
Read the articleWANT TO WORK THROUGH A DECISION?
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