Don't Trust Dr. Google | Today in Mortgages Ep. 269

Googling 'current mortgage rates' is often the first step for aspiring homeowners, but what you see isn't always what you get. In this episode, Rich and Michael pull back the curtain on the most common online mortgage searches and explain why the results can be dangerously misleading. They reveal the hidden costs and missing information in online calculators and rate aggregators, showing you how to become a smarter, more prepared home buyer. **What we cover:** * Why the 'lowest rate' you see online is rarely the one you'll qualify for and the importance of APR. * The crucial factors that online affordability calculators miss, like taxes, insurance, and your personal debt ratio. * The real story on down payment requirements, from 0% down VA loans to state-specific programs. * How to determine if refinancing makes sense for you, including cash-out refis and HELOCs. What's the biggest mortgage question you've tried to Google? Let us know in the comments below, and don't forget to subscribe for more insights from our pros! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses

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Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.