KNOWLEDGE CENTER

Refinancing now could save you thousands. Learn why waiting for lower rates might cost more than it saves, and explore smart mortgage options from OnPoint.

In today’s competitive market, time isn’t just an inconvenience—it’s leverage. The faster you can close, the stronger your offer looks, the smoother the process feels, and the less risk there is of losing the home you’ve fallen in love with. At OnPoint Mortgage, LLC, speed of closing isn’t just a perk—it’s part of our identity.

You don’t need 20% down to buy a home. Many buyers can qualify with just 3%, 3.5%, or even 0% down. While 20% has its benefits, it’s not a requiremen and saving that much could delay home ownership unnecessarily. Focus on the right strategy, not just the down payment.

The fundamental distinction is that a bank's job is to sell its own products, while a broker's job is to put your goals first and find the best fit from a wide range of options.

Looking to buy a home this year? Discover 5 proven tips to secure the best mortgage rates in 2025, save money, and make your dream home a reality.

This article provides an overview of loans in the USA, including types, purposes, and key factors to consider when applying.