When purchasing a home the mortgage you choose and the options you choose with it will have significant impact on how much your home costs you in the long run. Interest charges, origination fees, fees paid for a specific interest rate (formerly referred to as 'points') and settlement charges will often have the most impact. Of these, the interest rate you pay will matter most.
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This is a free financial education resource. Some of the products mentioned may not be offered by Horizon Credit Union at this time