I Have Two Loan Estimates. How Do I Compare Them, and What Can Still Change?
The question You applied with two lenders. Now you've got two Loan Estimates side by side, and the numbers don't line up. Which one is the better deal? And which numbers can still move before closing? The straight answer First, make sure you're comparing apples to apples: Same lock date. Rates can c
Is a 5/1 ARM the Move Right Now?
The question The 30-year fixed hit 7.28% in Freddie Mac's survey on October 1, 2026. That's the highest in a while, and a lot of buyers are asking me the same thing: should I look at an adjustable-rate mortgage instead? Let's talk about what a 5/1 ARM really is, what it costs over five years, and wh
What a 7% Rate Actually Costs a VA Buyer in Kaufman County
The question Rates just crossed 7%. Freddie Mac had the 30-year fixed at 7.03% the week of September 24, 2026, the first time over 7% since January 2025. By October 1 it was 7.28%. So if you're a Veteran or service member eyeing a house in Kaufman County, what does that really mean for you? The stra
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