Should You Buy Mortgage Origination and Discount Points?

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When you purchase your first home, you will be inundated with terms you may find difficult to understand. This is not your fault. The American educational system—even at the collegiate level—is woefully deficient when it comes to preparing us for real-world financial situations.  (more…)

How Are Mortgage Rates Set?

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What factors affect the final mortgage rate at which willing buyers of homes and sellers of financing are able to agree?  In certain ways, the setting of rates can be incredibly complex, with a plethora of factors able to influence rates, including expected inflation, default probability, government regulation, and maturity risk premium, to name just a few. (more…)


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