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Frequently Asked Questions (FAQs)

Pre-approvals and pre-qualifications are the same, right?
What higher power determines interest rates?
I should "lock" my rate? Whatever do you mean?
Why are you saying I'm "floating" when my feet are still on the ground?
What is a FICO score?
What is an APR?
What is PMI? Can I get rid of PMI on my loan?
What is a good faith estimate?
Is it okay if I take care of all that homeowners insurance stuff after closing?
How is LTV (or loan-to-value ratio) calculated?
How is DTI (or debt-to-income ratio) calculated?