Mortgage Insights &
Home Financing Resources

Mortgage Insights &
Home Financing Resources

Straightforward guidance on home buying, mortgage rates, credit, refinancing, loan programs, and real estate financing—helping you make more informed mortgage decisions.

Straightforward guidance on home buying, mortgage rates, credit, refinancing, loan programs, and real estate financing—helping you make more informed mortgage decisions.

Thomas Johannsen Thomas Johannsen

Timing the Market

Hoping to buy at just the right time? Learn more about timing the mortgage market in this blog post!

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Thomas Johannsen Thomas Johannsen

Documentation (a.k.a. “Docs”)

If you are wanting to pull together documents to get the loan approval process rolling, check out this blog post outlining what you’ll need to get started!

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Thomas Johannsen Thomas Johannsen

Our Products and Services

There are all sorts of loan products out there! What does our team offer, and what actually is the difference between all of these products?

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Thomas Johannsen Thomas Johannsen

Paying Homeowner's Insurance & Property Taxes With Your Mortgage Through an Escrow Account

Paying your homeowner’s insurance and property taxes as part of your mortgage is called “escrowing” your insurance and taxes.

Your monthly mortgage payment will cover your property taxes and homeowner’s insurance (HOI) when a mortgage requires that you pay for these through ‘escrow’.

Each month, your monthly property taxes and homeowner’s insurance expenses go into an ‘escrow account’ held by your mortgage servicer (this is who you actually pay for the mortgage).

Escrowing taxes and insurance makes keeping up with taxes and insurance much simpler, which is why lenders give lower interest rates to borrowers that escrow vs. paying these expenses on their own.

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