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Home Financing Library

Interest Rates

Several Factors Affect Your Mortgage Rate

Learn about all of the different factors that can change the interest rate of a mortgage.

Annual Percentage Rate (APR)

The true cost of the loan to the borrower expressed in the form of a yearly rate.

Lock In Your Interest Rate

What is a rate lock for and why do you need one.

Closing Costs Explained

Closing costs are the actual expenses that the lender incurs in the origination of a new home loan.

Should I Pay Points

A point is an upfront fee that reduces your monthly interest rate and total interest due over the life of the loan.