
Discount Points: Are They Worth It? Interest rates got you down? Thinking about buying discount points but not sure if they’re worth it? You’re in the right place. Discount points are essentially a way to buy down your interest rate upfront. This article breaks down how they work, when they’re a smart move, and how…
Read MoreLow Down Payment Loans: Your Guide to Homeownership

Homeownership Closer Than You Think: Your Guide to Low Down Payment Loans Saving for a 20% down payment can feel impossible. But guess what? It’s not the only way to buy a home. There are several loan programs designed to help you get into a house sooner, even with a smaller down payment. This guide…
Read MoreRefinance Timeline: Streamlining Your Path to Savings

Refinancing Roadmap: Streamlining Your Path to Savings Picture this: Lower monthly payments, extra cash in your pocket, or finally tackling that dream renovation. Refinancing can make it happen, but the timeline can feel like a maze. Juggling work, family, and the dream of a better mortgage? Time is precious, and refinancing shouldn’t be a guessing…
Read MoreTariffs & Home Prices: How Import Taxes Affect Your Wallet

Tariffs Impact My Dream Home? Decoding the Impact of Import Taxes Ever wonder what really drives home prices up or down? It’s more than just interest rates, folks. Things like tariffs – taxes on imported goods – can play a surprisingly big role. Let’s break down how these import taxes can affect your wallet when…
Read MoreConquer Your Down Payment: A Step-by-Step Guide to Homeownership

Unlocking Homeownership: Your Step-by-Step Guide to Conquering the Down Payment Picture this: you’re holding the keys to your dream home, the culmination of your hard work and planning. Sunlight streams through the windows, illuminating the space that will soon be filled with laughter, memories, and the comfort of knowing you’ve achieved a major milestone. It’s…
Read MoreUnderstanding HELOC: A Comprehensive Guide

Imagine having a financial safety net built right into your home. That’s the power of a Home Equity Line of Credit, or HELOC for short. It’s like a credit card, but instead of borrowing from a bank, you’re tapping into the value you’ve already built in your home. Need cash for a dream renovation? Unexpected…
Read MoreHow Long Does It Take to Improve Your Credit Score?

Tired of feeling like your credit score is a roadblock to your dream home? Let’s break down those barriers and pave the way to financial freedom! In the mortgage world, your credit score is more than just a number – it’s a powerful tool that can unlock better loan options, lower interest rates, and ultimately,…
Read MoreHow Much Can I Borrow Against My Home Equity?

Your Home’s Hidden Cash: Unlocking the Power of Home Equity Owning a home is more than just having a roof over your head; it’s about building a solid foundation for your financial future. And within those walls lies a powerful tool you might not even realize you have: home equity. Think of it like a…
Read MoreWhat is an Adjustable-Rate Mortgage (ARM)?

What is an Adjustable-Rate Mortgage (ARM)? Want to unlock a lower interest rate on your mortgage, at least for a while? Adjustable-Rate Mortgages (ARMs) might be your key! ARMs are a bit different from your typical fixed-rate mortgage. With an ARM, your interest rate stays the same for a set period, then adjusts based on…
Read MoreHow Long Does It Take to Improve Your Credit Score?

How Long Does It Take to Improve Your Credit Score? Understanding Your Credit Score Think of your credit score as your financial GPA. A good one opens doors to better opportunities, especially when it comes to buying a home! At Loans by Lozano, we’re experts at helping clients navigate the mortgage process, even if they…
Read More