Most borrowers learning mortgage basics feel unsure how credit, income, and loan terms affect their ability to buy or refinance.
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Mortgage Basics
Understanding the basics of how mortgages work makes the homebuying process much easier. This guide breaks down the key terms, loan types, and steps so you can move forward with confidence.
You can check your loan options in under 60 seconds — fast, secure, and no credit impact.
WHAT A MORTGAGE IS
A loan used to buy a home
Paid back over time with interest
Secured by the property
MAIN LOAN TYPES
Conventional loans
FHA loans
VA loans
USDA loans
Jumbo loans
KEY MORTGAGE TERMS
Principal
Interest
Escrow
Mortgage insurance
Closing costs
HOW MORTGAGE PAYMENTS WORK
Principal + interest
Taxes and insurance
Monthly escrow
How payments change with rates
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