Vantage Spring 2025 Newsletter
MORTGAGE RATES, TARIFF NEWS, AND VOLATILITY WHEN IS IT A GOOD TIME TO REFINANCE?
Permanent Discount Points vs. Temporary Buydowns: Which is Right for You?
By Andy Harris, President of Vantage Mortgage Brokers When shopping for a mortgage, you may come across options to lower your interest rate either permanently or temporarily. These options, known as permanent discount points and temporary buydowns, can help reduce your monthly mortgage…
Creative Ways to Cut Expenses and Save for Your First Home
Buying your first home is a major milestone, but saving for a down payment can feel overwhelming—especially with rising home prices and living costs. The good news? You don’t have to live on ramen noodles or work three jobs to…
Buying a Home Around the Holidays: A Smart Move or Seasonal Stress?
By Andy Harris, President of Vantage Mortgage Brokers The holiday season is synonymous with joy, family gatherings, and festive cheer. But for some, it’s also the perfect time to make one of life’s biggest purchases: a home. While the…
Rent vs. Buy: Making the Right Choice for Your Lifestyle and Finances
By Andy Harris, President of Vantage Mortgage Brokers The age-old debate of renting versus buying a home is one of the most significant financial decisions many people face. Both options have their benefits and drawbacks, and the best choice often…
Why Is My Credit Score Different From My Mortgage Lender?
By Andy Harris, President of Vantage Mortgage Brokers Consumers today have access to more information than ever before. Financial education and access to credit profiles have helped consumers improve or maintain their credit ratings and scores, but not without confusion…
Buying a Home in Today’s Market: What You Need to Know
By Andy Harris, President of Vantage Mortgage Brokers
Never Feel Pressured to Use a Specific Mortgage Lender
By Andy Harris, President of Vantage Mortgage Brokers
The Truth About Down Payments
If you’re planning to buy your first home, saving up for all the costs involved can feel daunting, especially when it comes to the down payment. That might be because you’ve heard you need to save 20% of the home’s price to put…
FHFA Announces 2024 Conforming Loan Limits
The Federal Housing Finance Agency (FHFA) just announced the 2024 Conforming Loan Limits for Residential Mortgage Loans acquired by Fannie Mae and Freddie Mac. As was expected based on the continuing increase in housing prices, the limits increased significantly. To…