Mortgage guides: mortgage-basics
Why similar borrowers get different rates
The headline rate depends on more than a credit score.
How often are mortgages denied?
Read the denominator before comparing denial rates.
The true cost of a lower rate
Points and credits move costs between closing day and later payments.
What HMDA can and cannot tell you
Public mortgage records show patterns, with important limits.
What is rate spread, exactly?
Rate spread compares a loan’s APR with the average prime offer rate for a comparable loan.
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