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2025

mortgage-loan-modification:-what-it-is,-how-it-works,-and-when-to-use-it

Mortgage Loan Modification: What It Is, How It Works, and When to Use It

Mortgage loan modification is a foreclosure-prevention option that permanently changes the terms of your existing mortgage to make payments more affordable. If you’re a homeowner facing a long-term financial hardship—such as job loss, a medical crisis, or divorce—a modification may help you lower your monthly payment and keep your home. Key takeaways A mortgage loan modification changes your current...

best-time-to-close-on-a-house:-why-the-right-date-matters

Best Time to Close on a House: Why the Right Date Matters

Quick Answer:– Closing near the end of the month is best because it minimizes prepaid interest for buyers and slightly reduces prorated expenses for sellers.– Closing early in the month provides buyers more time before the first mortgage payment and offers sellers flexibility for moving or a subsequent purchase.– For many buyers and sellers, an end-of-month closing strikes the best balance of cost...

portable-mortgages-could-help-more-people-move-—-but-won’t-fix-housing-affordability

Portable Mortgages Could Help More People Move — But Won’t Fix Housing Affordability

The idea of “portable mortgages” — loans that homeowners can transfer from one property to another — is gaining national attention as policymakers consider new tools to ease the country’s housing affordability and mobility challenges. In late 2025, the Federal Housing Finance Agency (FHFA), led by Director Bill Pulte, said it is “actively evaluating” the feasibility and risks of mortgage...

can-closing-costs-be-waived?-6-ways-buyers-can-lower-costs-at-closing

Can Closing Costs Be Waived? 6 Ways Buyers Can Lower Costs at Closing

Closing costs can add thousands of dollars to the price of buying a home, often catching buyers off guard right before the finish line. Whether you’re browsing houses for sale in Los Angeles, CA or exploring homes for sale in Austin, TX, understanding these fees can help you plan for the true cost of buying. While closing costs usually can’t be completely eliminated, there are legitimate ways to reduce...

what-is-a-stucco-inspection,-and-do-you-really-need-one?

What Is a Stucco Inspection, and Do You Really Need One?

If you own a home or are looking to buy a house in southwest-inspired landscapes like Tucson, AZ or Albuquerque, NM, you’re probably familiar with stucco.  Stucco houses are made up of a durable mixture of Portland cement, sand, and lime that protects the exterior in place of traditional siding like wood or vinyl. When done right, stucco is great at sealing the home from moisture, regulating...