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A practical guide to how much house can i afford calculator.

A practical guide to jumbo loan requirements.

A jumbo loan exceeds the FHFA conforming limit, and its requirements and qualifications vary by investor rather than following one national rulebook. This guide breaks down typical credit score, down payment, debt-to-income, and reserve ranges, includes a monthly-cost worksheet with taxes, insurance, and PMI, and shows how to test eligibility without a credit hit.

The fixed rate vs adjustable rate mortgage decision trades payment certainty for a lower starting rate, and the right choice depends on how long you keep the loan, how much payment risk your budget can absorb, and your full monthly housing cost. This guide from mortgage broker Duane Buziak (NMLS #1110647) offers seven repeatable strategies, with hypothetical payment illustrations, to help you choose between a fixed-rate loan and an ARM with confidence.

This step-by-step guide from Duane Buziak (NMLS #1110647) explains how to get mortgage pre approval without hard inquiry by using a soft credit pull. It shows how to turn the results into a full monthly cost with a worked example, and when a hard pull becomes unavoidable, with guidance from CFPB and myFICO.

Rate and term refinance explained through a worked total-cost example, a side-by-side comparison of refinance paths, and a break-even test. Learn how a new rate or loan length changes your monthly cost, and how long you need to keep the home before a refinance actually saves you money.