Tips, trends and insights for homebuyers like you.
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What Is a 2-1 Buydown? Payments, Cost, and When It’s Worth It
Key takeaways How a 2-1 buydown works A 2-1 buydown temporarily lowers the principal and interest portion of your mortgage payment for two years. Your payment is calculated as if your interest rate were 2 percentage points lower in the first year and 1 percentage point lower in the second. Starting in year three, you… Read more
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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 2025. Read more
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2025 Mortgage Review: Bluestone Bank
Bluestone Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Massachusetts, serving customers in Massachusetts, Rhode Island, and New Hampshire. The bank is… Read more
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2025 Mortgage Review: Move Mortgage
Move Mortgage, is a privately held, direct mortgage lender headquartered in Sandy, Utah. Established in 2017, the company specializes in providing a streamlined, client-focused home loan… Read more
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2025 Mortgage Review: Valley Strong Credit Union
Valley Strong Credit Union is a California-based lender that offers competitive mortgage rates and low fees, particularly appealing to homebuyers across the Central Valley. While it… Read more
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2025 Mortgage Review: Mazuma Credit Union
Mazuma Credit Union is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Overland Park, Kansas, serving the greater Kansas City metropolitan area. Founded… Read more
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2025 Mortgage Review: AmeriCU
AmeriCU Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Rome, New York. Founded in 1949, AmeriCU serves members across Central New York and surrounding… Read more
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2025 Mortgage Review: American Commercial Bank & Trust
American Commercial Bank & Trust (ACB&T) is a community-focused, full-service financial institution headquartered in Ottawa, Illinois. The bank provides a broad range of services, including commercial… Read more
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2025 Mortgage Review: Traditions Bank
Traditions Bank, founded in 2002 and headquartered in York, Pennsylvania, is a community-focused financial institution with eight branches serving York and Lancaster counties. With assets totaling… Read more
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2025 Mortgage Review: Omega Mortgage Group
Omega Mortgage Group is a privately held, full-service mortgage lender headquartered at 10663 Professional Circle, Suite A, Reno, Nevada. Founded in 2005, the company operates multiple… Read more
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2025 Mortgage Review: American Pacific Mortgage
American Pacific Mortgage (APM) is a national retail mortgage lender headquartered in Roseville, California. Founded in 1996, APM is 49% employee-owned and has served over 300,000… Read more
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2025 Mortgage Review: Deerwood Bank
Deerwood Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Deerwood, Minnesota. Serving customers throughout Minnesota since 1910, Deerwood Bank is known for… Read more
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2025 Mortgage Review: PrimeLending
PrimeLending, a PlainsCapital Company, is a national direct mortgage lender headquartered in Dallas, Texas, and operates in all 50 states and Washington, D.C. Established in 1986,… Read more
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2025 Mortgage Review: Embold Credit Union
Embold Credit Union, previously known as Clackamas Federal Credit Union, is a member-owned, not-for-profit financial cooperative headquartered in Milwaukie, Oregon. The credit union serves members throughout… Read more