Standard Mortgage Blog

Buying a house is an exciting time. There is so much potential brought on by the new surroundings, amenities, and memories. On the other side of the equation, refinancing your mortgage to a lower rate, to a different term, or to access your home’s equity in cash also provides new opportunities. Whether you are buying or refinancing, the most important decision you can make is selecting the best..

You have a lot of different options when it comes to financing your home purchase. From FHA to conventional, to VA to jumbo; however, it all boils down to fixed-rate versus adjustable rate. Depending on your financial situation, your goals, and your plans and timeline for owning your home, selecting between these two mortgage types can be an even more important decision. 

You’ve been pre-qualified, you’ve been looking at houses, you’ve made an offer, and it’s been accepted. The only thing that stands between your palm and the keys to your new home is the closing date. While the closing process may seem complex, it’s actually less intimidating than it seems. One of the common phrases that you’ll hear from your lender is “cash to close.” Let’s take a closer look at..