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What "Clear to Close" Actually Means (and How Close You Really Are)

What "Clear to Close" Actually Means (and How Close You Really Are)

What "Clear to Close" Actually Means (and How Close You Really Are)Jerry Holland
Published on: 13/08/2026

Clear to close doesn't always mean funded. Here's what the term actually means and what can still delay your closing.

Mortgage
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Refinance Break-Even: How to Actually Run the Math Before You Refi

Refinance Break-Even: How to Actually Run the Math Before You Refi

Refinance Break-Even: How to Actually Run the Math Before You RefiJerry Holland
Published on: 11/08/2026

Lower rates can make refinancing tempting, but the math has to work. Here's how to calculate your true break-even point before you refi.

Mortgage
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HELOC on an Investment Property: What Actually Qualifies

HELOC on an Investment Property: What Actually Qualifies

HELOC on an Investment Property: What Actually QualifiesJerry Holland
Published on: 11/08/2026

HELOCs on rental properties come with tighter CLTV limits, higher credit thresholds, and fewer lenders willing to offer them. Here is what actually qualifies.

Mortgage
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First-Time Buyer Down Payment Myth: You Don't Need 20% Down

First-Time Buyer Down Payment Myth: You Don't Need 20% Down

First-Time Buyer Down Payment Myth: You Don't Need 20% DownJerry Holland
Published on: 09/08/2026

Many buyers wait to save 20% before they buy. Most loan programs require far less, some as low as 0% down.

Mortgage
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