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When you’re shopping for a mortgage, one of the most important decisions you’ll face is choosing between a fixed-rate and a floating-rate (also known as variable-rate) loan. At Rapid Home Loan, we know how overwhelming this decision can feel—especially in…
When you’re applying for a mortgage, you’ll hear a lot of industry terms—pre-approval, escrow, appraisal, and underwriting. Of all of these, underwriting is one of the most important (and often least understood) parts of the process. At Rapid Home Loan,…
For many immigrants, buying a home in the United States represents more than just a real estate transaction—it’s a major milestone on the path to stability and long-term financial growth. The good news? You don’t have to be a U.S…
If you’re planning to buy a home or refinance in the near future, there’s one thing you should know—mortgage lending rules are changing. Whether you’re a first-time buyer or a seasoned homeowner, these changes could impact how much you qualify…
As we enter new chapters of life, our housing needs often change. For many seniors, downsizing from a larger family home to something smaller and more manageable can be a smart and liberating choice. At Rapid Home Loan, we’ve helped…
Making an offer on a home is a big step—possibly one of the biggest financial decisions you’ll ever make. At Rapid Home Loan, we’ve seen many buyers get caught up in the excitement and overlook important details that can cost…
When you’re buying a home or refinancing, one of the first documents you’ll receive from your lender is a Loan Estimate. This three-page form outlines all the key details of your potential mortgage—but understanding it isn’t always easy. At Rapid…
When you’re getting close to buying your dream home, you’ll hear the term “closing costs” come up frequently. But what exactly are closing costs, and how much should you expect to pay? At Rapid Home Loan, we believe in transparency…
When you’re ready to buy a home, one of the first big financial questions you’ll face is: how much should I put down? At Rapid Home Loan, we know the down payment isn’t just about upfront cash—it plays a major…
Mortgage rates can be unpredictable—fluctuating daily, sometimes even hourly. So what happens if you lock in a mortgage rate, and then rates drop before you close? It’s a common concern we hear at Rapid Home Loan, and the answer depends…
