Articles by Denny Ceizyk
Escrow: Meaning and How It Works
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When you open a checking account, you trust someone else to handle your money. The same is true of an escrow account in real estate,... read more
Mortgage Points: Guide to Buying Down Interest Rates
July 10, 2023
High mortgage rates got you down? You can lift your spirits and “buy” a lower rate by paying for mortgage points. The upfront fee will... read more
How Are Mortgage Rates Determined?
June 29, 2023
Your credit score, down payment and loan term are key ingredients that help determine your mortgage rate — but you’re not the only cook in... read more
Adjustable-Rate Mortgage: What an ARM Is and How It Works
June 15, 2023
When fixed-rate mortgage rates are high, lenders may start to recommend adjustable-rate mortgages (ARMs) as monthly-payment saving alternatives. Homebuyers typically choose ARMs to save money... read more
How Soon Can You Refinance a Mortgage?
June 15, 2023
With some types of conventional refinance loans, you can refinance within days of closing your purchase loan, while some government-backed loans will require a year’s... read more