HeyJaredLinda Bell
- Indexed articles, last 90 days
- 5
- Latest publication
- Aug 20, 2026
- Outlet visibility, for yahoo.com
- Top 1K sites
- Earliest in this view
- Jul 13, 2026
Latest articles
Fixed-rate vs. adjustable-rate mortgages: What’s the difference? (opens the original)
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A fixed-rate mortgage locks in the same interest rate and monthly payment for the life of the loan. An adjustable-rate mortgage (ARM) usually starts with a lower rate than a comparable fixed-rate loan — but that rate is temporary. If you don't sell or refinance the ARM before the first rate adjustment, your payment could increase. Borrowers should consider whether they could afford the highest possible payment if the ARM adjusts upward. Both fixed-rate and adjustable-rate mortgages (ARMs) are le
What is a down payment? (opens the original)
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A down payment is the amount of a home's purchase price that the buyer pays at closing. You can get a conventional mortgage with as little as 3% down, and some government-backed mortgages don't require a down payment. In 2025, the median down payment for all homebuyers was 19%, while first-time buyers put down a median of 10%, according to the National Association of Realtors. While you need not put down 20%, making a larger down payment means having more equity — and often a lower mortgage rate
PMI got you into your home. It shouldn’t overstay its welcome. (opens the original)
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PMI protects your lender — not you — so understand your rights and when you're eligible to stop paying it. You can request PMI cancellation once you reach 80% loan-to-value. You don't have to wait for your lender to act. Your lender must automatically cancel PMI once you reach 78% loan-to-value or the midpoint of your loan term, provided you're current on payments. PMI typically costs $153 to $500 a month on a $400,000 loan — money you can stop paying the moment you clear these thresholds. PMI (
Why do mortgages get sold? And what you can do about it? (opens the original)
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It's common for lenders to sell mortgages after closing, and you can't prevent it. A mortgage sale cannot change the terms of your loan, including your interest rate, monthly payment, remaining balance, and repayment schedule. You have important rights during the transfer, including advance notice of servicing changes and protections if a payment is misdirected during the transition. While most transfers are routine, it's worth monitoring your account to catch payment or escrow errors early. It
Why no-closing-cost refinancing doesn’t mean no costs (opens the original)
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There's no such thing as a mortgage refinance without closing costs. Your lender either raises your interest rate or adds the cost to your loan balance — the fee doesn't disappear; it moves. Skipping upfront costs can save you money at closing, but it usually costs more over the life of the loan. If you expect to stay in your home for more than a decade, pay the closing costs upfront. If you're likely to move or refinance again soon, a no-closing-cost option may cost you less overall. As the say
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