--- title: Point Equity Blog | Justin Coupe description: Homes are a big investment. Find out how to make your home loan work for you and your life. Learn what makes a great loan, how to spot opportunity, and how to get the most bang for your residential lending buck. --- [![916-248-4620](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/ec1ee27c-25ba-4518-bc57-e8edc9cb7c7e) [![Apply Now](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/bbb1c79c-b2d0-469c-ac5a-5a51e3eac6df) [![Point Equity](https://www.pointequity.com/hs-fs/hubfs/Point_Equity_April2018/Images/point_logo3.png?width=120&name=point_logo3.png "Point Equity")](https://www.pointequity.com/) ** [![](https://www.pointequity.com/hubfs/Man%20Thinking%20of%20Home%20(Blue%20House).png) ](https://www.pointequity.com/blog/psychology-of-home-shopping) ### [The Psychology of Falling Out of Escrow](https://www.pointequity.com/blog/psychology-of-home-shopping) April 15, 2025 [Purchase](https://www.pointequity.com/blog/tag/purchase) | 4 MIN READ Or why losing your favorite dessert can be like shopping for your dream home. You head out for dessert at your favorite spot. Most Popular ### [What Does Vesting Mean and Why Is It Important?](https://www.pointequity.com/blog/what-is-vesting) July 23, 2021 [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ### [Great Places to Live in California if You Love Hiking](https://www.pointequity.com/blog/great-places-to-live-in-california-if-you-love-hiking) August 27, 2020 [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle), [california living](https://www.pointequity.com/blog/tag/california-living) | 4 MIN READ ### [3 California Mountain Towns More Affordable Than Truckee & Tahoe](https://www.pointequity.com/blog/3-california-mountain-towns-more-affordable-than-truckee-tahoe) August 26, 2020 [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 7 MIN READ ### [Top 3 Differences Between Conventional & Government Loans](https://www.pointequity.com/blog/top-3-differences-between-conventional-government-loans) August 18, 2022 | 2 MIN READ ### [How do property taxes work in California?](https://www.pointequity.com/blog/how-do-property-taxes-work-in-ca) September 9, 2022 [Money Matters](https://www.pointequity.com/blog/tag/money-matters), [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 6 MIN READ ![](https://cdn2.hubspot.net/hubfs/2029673/Assets/Search_Image.png) ## Justin Coupe ![Justin Coupe](https://www.pointequity.com/hubfs/JustinFinal.png) Find me on: ### Recent Posts ## [Top Financial Questions First Time Home Buyers Should Ask](https://www.pointequity.com/blog/top-financial-questions-first-time-home-buyers-should-ask) June 7, 2018 It’s pretty easy to buy a house, even if you’re a first time homebuyer, or have ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ## [How is a Fixed Rate Conventional Loan a Conforming Loan](https://www.pointequity.com/blog/how-is-fixed-rate-conventional-loan-conforming-loan) June 5, 2018 How is a fixed rate conventional loan a conforming loan? A conventional loan is ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Refinance](https://www.pointequity.com/blog/tag/refinance) | 2 MIN READ ## [Adventure in the Redwoods National Forest](https://www.pointequity.com/blog/adventure-in-the-redwoods-national-forest) April 16, 2018 If you've never taken a trip to Northern California to visit the great Redwoods ... [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 4 MIN READ ## [Coloma River Rafting Adventures](https://www.pointequity.com/blog/coloma-river-rafting-adventures) April 16, 2018 Without question, Point Equity's greatest assets are its people. We are beyond ... [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 2 MIN READ ## [Alta's Little Bear Christmas Tree Farm](https://www.pointequity.com/blog/altas-little-bear-christmas-tree-farm) April 16, 2018 There is nothing we enjoy more here at Point Equity than spending time with the ... [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 2 MIN READ ## [Sacramento's Music Circus](https://www.pointequity.com/blog/sacramentos-music-circus) April 16, 2018 Sometime around 30 years ago, Mom and Dad loaded their 4 kids into an air ... [Lifestyle](https://www.pointequity.com/blog/tag/lifestyle) | 1 MIN READ ## [Why the Lowest Interest Rate Isn’t Always the “Right” Rate](https://www.pointequity.com/blog/why-the-lowest-interest-rate-isnt-always-the-right-rate) April 4, 2018 We get this question a lot: “What is the lowest interest rate I can get for my ... [Purchase](https://www.pointequity.com/blog/tag/purchase), [Refinance](https://www.pointequity.com/blog/tag/refinance) | 5 MIN READ [All posts](https://www.pointequity.com/blog/all) ## Related Posts ### Subscribe Here! # 60 Second Pre-Approval Quiz [![Get Started](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/4355458/8e444da4-4d9f-4bc3-b5f7-82c96e54682b) ### Subscribe to Email Updates [![point_logo](https://www.pointequity.com/hs-fs/hubfs/point_logo.png?width=1849&name=point_logo.png "point_logo")](https://www.pointequity.com) Point Equity Residential Lending 915 Highland Pointe Dr. Suite 160 Roseville, CA 95678   [Local: (916) 248-4620](tel:9162484620) [Toll Free: (888) 551-5110](tel:9995515110) Fax: (916) 914-2306 [info@pointequity.com](mailto:info@pointequity.com) ##### [Buy a Home](https://www.pointequity.com/buy-a-home) ##### [Refinance](https://www.pointequity.com/refinance) ##### [About Us](https://www.pointequity.com/about-us) ##### [Join the Team](https://www.pointequity.com/join-the-team) ##### [Contact Us](https://www.pointequity.com/contact-us) ##### [Resources](https://www.pointequity.com/blog) ### Subscribe to our Newsletter! Point Equity Residential Lending, NMLS ID 1404205. [NMLS Consumer Access Link](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1404205)    Main Office is at 915 Highland Pointe Dr. Suite 160, Roseville, CA 95678. Telephone Number: 916-248-4620. Equal Housing Lender. Licensed in: California (60DBO-56023 & 01987090), Idaho (MBL-2081404205), Washington (CL-1404205). Information, rates, and programs are subject to change without notice and may not be available in all states. This is not an offer to enter into an agreement. All products are subject to credit and property approval.   © Copyright  2020 Point Equity Residential Lending | [Privacy Policy](https://www.pointequity.com/privacy-policy) | [Disclaimer](https://www.pointequity.com/disclaimer)   All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. [**](https://www.facebook.com/pointequity/) [**](https://www.linkedin.com/company/pointequity/) [**](https://www.instagram.com/pointequity/)