The altblog.

Discover the key differences between soft and hard credit checks, their impact on your credit score, when they are used, and how they appear on your credit report.

Explore down payment assistance programs designed to help homebuyers secure funding with lower upfront costs. Learn about the different types available to make homeownership more affordable.

Everything you need to know about mortgages when buying your first home. Learn about how much you can afford, the 4Cs of mortgage underwriting, why down payments don't matter, and how paying off your credit cards does. Get insider tips on finding the best rates and reduce your cash to close simultaneously.

We are quickly approaching $75 million of mortgages managed in our platform. To be clear, that’s less than 0.0001% of the $12 trillion in outstanding mortgage debt in the US. We are nascent, even by startup standards.

Find out how much home you can afford. It depends on your income and debt, the loan type, and property-related expenses like taxes and insurance. The math can get complicated, so here's a full breakdown of everything you need to know. Just remember that qualifying for a home isn't the same as being comfortable with the monthly payment.

Paying for origination fees and discount points could help lower your rate by 1% or more and save $100K or more in mortgage interest. Here's what you need to know when paying for points...

Buying a home is a significant milestone that mixes human emotions with lasting financial obligations. Understanding common missteps or biases in our thinking can help make better homebuying decisions.