HOME WITH ERIC · MORTGAGES REIMAGINED
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534 articles to explore · Page 6 of 45
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The clip asks buyers to send the actual loan offer before deciding which rate is better. Comparing the written terms makes the tradeoff between monthly payment and upfront cost visible.
Read the articleEric discusses borrowers whose income or timing does not fit a particular loan. Another review can identify options, but a different lender or program cannot promise approval before examining the f...
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The clip highlights a key refinance question: how much will you owe on the new loan? A smaller payment can coexist with a larger balance when costs are financed.
Read the articleThe video describes shifting some planned down-payment cash toward buyer-agent compensation. The useful lesson is to compare the full financing and offer structure, not assume that unchanged upfron...
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The video raises two connected risks: putting every available dollar into the purchase and treating the maximum approval as your spending target. A home should leave room for life after closing.
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Eric argues against using a fixed rate-drop rule for every homeowner. A useful review starts with the goal, then asks whether refinancing or another change would serve it.
Read the articleEric starts this video with a useful question: what do you want the refinance to accomplish? Lowering the monthly payment and reaching the payoff date sooner are different goals.
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The video compares keeping a first mortgage and adding a HELOC with replacing it through a cash out refinance.
Read the articleA mortgage payment that looks lower than rent can be worth investigating, but the comparison is incomplete until both sides include the costs you will actually pay. Eric’s October 2024 clip opens t...
Read the articleThis clip asks why someone might consider replacing a low-rate mortgage when other monthly debt payments have become difficult.
Read the articleEric’s October 2024 example compares taking an available refinance with waiting for a larger rate drop. The decision should include the new costs and loan term, not just the rate you hoped to see.
Read the articleThe video describes principal repayment as a form of saving through homeownership. Understanding which part of a payment reduces debt helps separate equity growth from the total cost of owning.
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