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Mortgage Interest Rates
Rates matter—especially with large loan amounts—but the right mortgage product is even more important. Yes, the fixed vs. variable debate is coming, but before that, here are a few key things to consider when reviewing potential payments:
✅ Life & Disability Insurance – Costs vary by age and health, but as a starting point, add $100/month to your budget until you get an official quote.
✅ Your Budget – Be realistic! Homeownership is amazing, but balance is key. Factor in:
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Utilities (electricity, heat, water, internet, cell phone)
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Property taxes & condo fees (if applicable)
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Savings & emergency funds
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And don’t forget FUN! Life shouldn’t just be about mortgage payments.
✅ Future Plans – If you're planning to have kids, consider maternity/parental leave pay and childcare costs after. Planning ahead can help prevent financial stress.
Let’s make sure you have a mortgage that fits your whole life. I’d love to help! 😊
Why mortgage advisors don't like posting mortgage rates...
Until your mortgage application is reviewed, it’s difficult to provide accurate rates. Rates depend on several factors, including:
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Mortgage type & program
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Live deal vs. rate hold
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Credit score
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Down payment amount
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Time to possession
Rates also change frequently, sometimes daily. Posting rates without context can be misleading, which is why mortgage advisors prefer to provide personalized quotes based on your unique situation.
I look forward to providing you with personalized rates and guiding you through the best mortgage options available. Let’s find the right fit for you!
