Kara Johnson

Kara is a novelist, poet and large-scale sculptor in addition to being a contributing writer for Refi.com. She lives with her family in Rye, New York and is a graduate of Hampshire College.

Breaking Down the VA Appraisal

When you need to borrow money to purchase a home, the lender will seek an independent evaluation of the property’s […]

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Common Mortgage Myths, Misconceptions, and Mistakes

Purchasing a home is likely the largest financial transaction you will make in your lifetime. If buying involves financing via […]

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What is a Non-Qualified Mortgage (QM) Loan?

Most loans are relatively straightforward with fixed terms and interest rates at prevailing rates, or adjustable rate loans are for […]

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Woman reviewing paperwork and deciding if she should pay her mortgage using autopay.

Are Automatic Mortgage Payments a Good Idea?

Late mortgage payments can significantly impact your credit score. They can also lead to penalty fees, increased interest rates, and […]

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Man monitoring his credit score to see how it will affect his mortgage interest rates.

How Credit Scores Impact Mortgage Rates

It’s common knowledge that your credit score affects your ability to qualify for a mortgage. What’s less well-known is how […]

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Concerned young couple thinking about backing out of buying a house.

When Is it Too Late to Back Out of Buying a House?

It’s not uncommon for homebuyers to get anxious when it’s time to sign the papers that make their mortgage loan […]

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Types of Mortgages with $0 Down Payment

If you want a real estate mortgage with $0 down you’re not alone. Getting enough cash to make the down […]

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Types of Home Loans for Homebuyers

There are many home loan options for buyers, mortgage types for every need and preference. But while there are many […]

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The Millennial’s Guide to Getting a Mortgage

First-time buyers are a huge part of today’s real estate marketplace, and that means we’re largely talking about Millennials. This […]

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What Are Property Taxes and Can I Appeal A Property Tax Assessment?

If you’re a homeowner, you’ll need to cough up extra money every year to pay your property tax. This is […]

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VA Streamline Refinance (IRRRL): How it Works

Currently have a VA home loan you’re eager to refinance? If you qualify as an active duty military member, veteran, […]

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Can You Refinance With the Same Bank?

The short answer is yes, you can refinance with the same bank you originally financed your home loan with. Doing […]

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When Can I Get a Mortgage After Foreclosure?

In most cases, borrowers whose homes have been foreclosed must go through a waiting period before a lender will approve […]

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What is Title Insurance?

Buying or refinancing a home is one of the most significant transactions you’ll ever make. That’s why it is essential […]

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Senior couple holding keys

What is a Reverse Mortgage? Breaking Down the FHA HECM

Reverse mortgages offer unique opportunities for homeowners aged 62 and older. A reverse mortgage isn’t for everyone needing to extract […]

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