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Standard Mortgage Blog

Mortgages

6 Must-Know Tips to Reduce Your Cash to Close

Your offer has been accepted, your loan approved, and you're on track to owning your new home. The final step is bringing the required cash to close and completing the necessary paperwork. On closing day, you’ll need funds not only for your down payment but also to cover closing costs, which typically range from 2-5% of the home’s purchase price. For a $300,000 loan, that means an additional..

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Mortgages, Homeownership

Louisiana Homebuyers, Are You Ready for Interest Rate Cuts?

If you are in the market to buy a home, then you've heard all the buzz about the probability that the Federal Reserve will start cutting rates soon. As inflation has cooled, mortgage rates have already started to come down, averaging nearly a whole percentage point less than this same time last year. With additional help from cuts by the Fed expected this month, rates could fall even more and..

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Mortgages, Refinance

Understanding Mortgage Refinances: What Costs are Involved in a Refi?

Refinancing a mortgage may be asmart financial decision. It allows homeowners to lower their monthly payments, reduce the total interest paid over the life of the loan, or access cash for other needs. However, there are costs involved that homeowners should consider before proceeding. By understanding the basics, you can prepare for the financial implications of refinancing and engage in..

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