Key takeaways Your mortgage isn’t the only cost— taxes, insurance, and maintenance can add up. Be prepared for ongoing expenses like property taxes and homeowners insurance. Set aside money each year for repairs and maintenance. Don’t forget about utilities, HOA fees, and upfront costs like closing fees. Budgeting for these expenses  now can save you […]

Buying a home comes with a lot of paperwork and numbers that can quickly feel overwhelming. One term you might come across is “prepaid costs”—but what exactly does that mean? Prepaid costs are fees you pay upfront at closing to cover things like property taxes and insurance before they’re due. These charges catch many buyers

Yes, it is possible to get a mortgage without two years of work history.  Lenders generally like to see at least two years of steady employment. It gives them confidence that your income is reliable enough to support a mortgage. But if you’re new to your field, recently graduated, or self-employed, there are still paths