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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What does rent-to-own mean? A blueprint of key things to know
Let’s be real, rent-to-own is kind of a unicorn in the U.S. housing market. Roughly around 5% of home deals go down this way, so it’s… Read more
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Real estate liens explained: what they are and how they affect you
If you’re buying a home, you might be wondering if there will always be a lien on your property. Short answer: not necessarily, but liens are… Read more
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How debt consolidation impacts your home buying power
Got a pile of debt that feels like it’s getting out of hand? Whether it’s maxed-out credit cards, auto loans, or lingering medical bills, debt consolidation… Read more
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Ally vs. U.S. Bank
On the hunt for a home loan? Ally and US Bank are probably on your radar. But who’s really giving you the best bang for your… Read more
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What’s a townhouse, anyway?
First off, let’s get one thing straight: a townhouse is not just some glorified apartment. It’s a multi-story home that shares walls with your neighbors but… Read more
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How to buy an investment property: your roadmap for growing your money
If you’re thinking about buying an investment property, you’re aiming for long-term wealth and a steady income stream. But real estate investment can be tricky if… Read more
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How do you know if you’re ready to buy a second home?
Buying a second home sounds great—more vacations, extra rental income, and potentially growing your wealth. But how do you really know if you’re ready to take… Read more
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What is a foreclosure? A first-time homebuyer’s handbook
So, you’re stepping into the homebuying arena for the first time. Exciting, right? But there’s a term lurking in the background that you need to be… Read more
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0% down mortgages: do they exist, or are they just a dream?
Hey there, future homeowners! So, you’ve probably heard whispers about the elusive 0% down mortgage—the magical unicorn of home financing. You might be wondering, “Do they… Read more
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Navy Federal vs. Wells Fargo
Shopping for a home loan? Navy Federal and Wells Fargo are likely names you’ve heard. One’s a hub for helping Veterans and their family’s finance homes,… Read more
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Navy Federal vs. Chase
On the hunt for a home loan? Chase and Navy Federal are probably on your radar. But who’s really giving you the best bang for your… Read more
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Veterans United vs. Rocket Mortgage
Looking for a home loan? You’ve probably come across Veterans United and Rocket Mortgage. Veterans United is all about supporting Veterans and their families with home… Read more