Tips, trends and insights for homebuyers like you.
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![How the Community Reinvestment Act (CRA) can save homebuyers thousands]()
How the Community Reinvestment Act (CRA) can save homebuyers thousands
You’re shopping for a mortgage and want the best rate possible—but what if there’s a little-known way to save even more? Back in 1977, President Jimmy Carter enacted the Community Reinvestment Act (CRA) to help low- and moderate-income (LMI) buyers access more affordable home loans. Lenders are incentivized by the government, through the CRA, to… Read more
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![2025 mortgage interest rate forecast]()
2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2024. Read more
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![Report: How climate risk shapes property values across the U.S.]()
Report: How climate risk shapes property values across the U.S.
As extreme weather events and climate change increasingly captures the attention of homebuyers in the U.S., a question comes to the forefront: to what extent does… Read more
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![Buying a house that’s for sale by owner (FSBO): gold mine or headache?]()
Buying a house that’s for sale by owner (FSBO): gold mine or headache?
Buying a house that’s For Sale By Owner (FSBO) can either be a gold mine or a headache, depending on how you approach it. Here’s the… Read more
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![Demystifying mortgage: who are Fannie Mae and Freddie Mac?]()
Demystifying mortgage: who are Fannie Mae and Freddie Mac?
Maybe you’ve heard the names Fannie Mae and Freddie Mac tossed around in conversations about homebuying and wondered what they mean or who these famous figures… Read more
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![How to finance a mobile or manufactured home?]()
How to finance a mobile or manufactured home?
Alright, so you’re considering a mobile or manufactured home—good on you for looking into an affordable path to homeownership. But let’s break this down in detail… Read more
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![Fico vs. credit score: one and the same?]()
Fico vs. credit score: one and the same?
When it comes to buying a home, your credit score is a crucial factor that influences your mortgage options and interest rates. While “credit score” is… Read more
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![Tenants in common explained: ownership, co-borrowing, and how it works for rental properties]()
Tenants in common explained: ownership, co-borrowing, and how it works for rental properties
If you’re looking to co-own property but want flexibility in ownership and inheritance, tenants in common might be the right setup. here’s how it works, how… Read more
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![What is mortgage protection?]()
What is mortgage protection?
Mortgage protection is essentially a safety net for homeowners. It’s one type of insurance that steps in if life throws an unexpected curveball—whether that’s death, disability,… Read more
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![Mortgage modification vs. refinancing: what’s the difference?]()
Mortgage modification vs. refinancing: what’s the difference?
If you’re thinking about changing up your mortgage—great, you’re in the right place! But before you dive in, let’s clear up the confusion between mortgage modification… Read more
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![What is a hard money loan?]()
What is a hard money loan?
A hard money loan is a type of short-term financing secured by real estate. Typically issued by private investors or companies, these loans are based on… Read more
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![What is the best place to get a home loan?]()
What is the best place to get a home loan?
Choosing the right lender can make all the difference in your home-buying experience. With numerous options available, understanding what each lender offers is crucial. Here, we’ll… Read more
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![What’s considered a good interest rate for a mortgage?]()
What’s considered a good interest rate for a mortgage?
When it comes to figuring out what a “good” interest rate is, it really depends on the market at the time. Mortgage rates are a bit… Read more
