Mortgage guides
Plain explanations of PMI, discount points, FHA versus conventional loans, VA funding fees, closing costs, escrow, debt-to-income ratios and loan limits, using figures from the CFPB, HUD, VA, FHFA, Fannie Mae and Freddie Mac.
GuideClosing costsWhat is included, the 2% to 5% range, and the two key forms.Guide2026 loan limitsThe 2026 baseline, high-cost ceiling and how limits are set.GuideDebt-to-income ratioHow DTI is figured and the limits lenders publish.GuideDiscount pointsWhat a point costs, the break-even, and when credits make sense.GuideEscrow accountsHow escrow works, the cushion limit, shortages and surpluses.GuideFHA vs conventionalDown payment, mortgage insurance and limits, side by side.GuideHow mortgage interest worksMonthly interest, the payment formula, and rate vs APR.GuidePMI explainedWhen PMI applies, what drives the price, and the 80% and 78% rules.GuideVA funding feeFee rates by down payment and use, plus who is exempt.