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March 13, 2026

Adjustable-Rate Mortgages: A Quick Guide for Buyers

Adjustable-rate mortgages are getting renewed attention as buyers look for ways to lower their monthly payments in today’s higher-rate environment. Here’s a simple guide to how ARMs work, the potential benefits, and the risks buyers should understand before choosing one.
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December 12, 2025
First-time buyer researching how to use retirement funds and seller credits to afford a condo.

The First-Time Buyer’s Secret: Borrow From Your 401(k) and Ask the Seller to Pay Your Closing Costs

Struggling to save for a down payment? Many first-time buyers use a smart combo: borrowing from a 401(k) and negotiating seller-paid closing costs. Here’s how this strategy works, what lenders allow, and when it makes sense.
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