Home

Rates, points, and PMI — plain English

We’re real estate agents, not lenders—but you should understand how loan structure affects your monthly payment. Fixed-rate loans offer predictability; ARMs can make sense if you know you’ll move before the adjustment period.

Always compare lender estimates on the same day—rates change. Ask about origination fees, discount points, and prepayment penalties.

Down payment & PMI

Less than 20% down often means private mortgage insurance until you reach enough equity. Some loans have different rules—your loan officer will walk through specifics.

info@maplestonerealty.us · (919) 555-0156 · Buyer’s roadmap