by Kerry N. Greenwald | Sep 30, 2026 | Home Ownership, VA Loans
A lower advertised mortgage rate does not automatically mean it is time to refinance. The right decision depends on the complete cost, monthly savings, break-even period, new loan term and how long you expect to keep the home. A refinance should improve your real...
by Kerry N. Greenwald | Sep 22, 2026 | Home Ownership, VA Loans
If you received a letter saying your mortgage was sold or transferred, do not panic. Your loan terms do not suddenly change, you do not lose your home and you do not need to refinance. What usually changes is the company that collects your payment and manages the...
by Kerry N. Greenwald | Sep 15, 2026 | Home Ownership, VA Loans
Your mortgage should not disappear into the background after you set up automatic payments. The loan, property taxes, homeowners insurance, home value and your financial goals can all change. A short annual mortgage review can uncover errors, prevent surprises and...
by Kerry N. Greenwald | Sep 8, 2026 | Home Ownership, VA Loans
Your mortgage has a fixed interest rate, so why did the monthly payment suddenly increase? In most cases, the loan payment itself did not change. The difference usually comes from the escrow portion of the payment, which covers property taxes and homeowners insurance....
by Kerry N. Greenwald | Sep 1, 2026 | Home Ownership, VA Loans
You bought the home, signed the closing papers and received the keys. Then the mailbox starts filling with urgent-looking notices that seem to know your name, lender, loan amount and property address. Some are ordinary advertisements. Some sell services you may not...
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