Financing
5 Tips for Getting the Best Mortgage Rate in 2024
Learn how to secure the lowest possible mortgage rate with these proven strategies from industry experts.
Read more →Porchlight Blog
Expert insights on home buying, market trends, and financial tips
Featured Articles
Buyer Guides
First-Time Buyer's Complete Checklist
Everything you need to know before purchasing your first home, from pre-approval to closing day.
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Market Analysis
2024 Housing Market Predictions
Expert analysis of what to expect in the housing market this year and how to prepare.
Read more →Recent Articles
March 15, 2024
What to Expect During a Home Inspection
A comprehensive guide to the home inspection process and what issues to watch for.
March 12, 2024
Negotiation Strategies for Buyers
How to negotiate effectively in today's competitive housing market.
March 10, 2024
Understanding Closing Costs
A breakdown of all the fees and expenses you'll encounter at closing.
March 8, 2024
How to Research Neighborhoods
Key factors to consider when choosing the right neighborhood for your family.
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Our Expert Authors
Sarah Johnson
Real Estate Expert
15+ years helping families find their dream homes
Mike Chen
Mortgage Specialist
Expert in home financing and mortgage strategies
Emma Williams
Market Analyst
Tracking housing trends and market conditions
Helpful Resources
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Mortgage Calculator
Calculate your monthly payments and see how much home you can afford.
Use Calculator →Frequently Asked Questions
How much down payment do I need?
While 20% is traditional, many loan programs allow for much less. FHA loans require as little as 3.5%, and some VA loans require no down payment at all.
When should I get pre-approved?
It's best to get pre-approved before you start house hunting. This shows sellers you're serious and helps you understand your budget.
How long does closing take?
Typically, closing takes 30-45 days from when your offer is accepted, though this can vary based on financing and other factors.