--- title: Point Equity Blog | Mortgage (2) description: Mortgage | 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. 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[Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 10 MIN READ ## [First Time Homebuyer FAQ: The Starter Home vs Forever Home Dilemma](https://www.pointequity.com/blog/first-time-homebuyer-faq-the-starter-home-vs-forever-home-dilemma) May 5, 2022 Will this be the year you become a homeowner? You ask this question because you ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [When is it Smart to Ask For a Seller Concession?](https://www.pointequity.com/blog/when-is-it-smart-to-ask-for-seller-concession) April 7, 2022 In a hot housing market people selling their homes are less likely to pay for ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 6 MIN READ ## [Why Timing the Market Is So Much Harder Than It Seems](https://www.pointequity.com/blog/why-timing-the-market-is-so-much-harder-than-it-seems) March 24, 2022 It's possible that getting a bargain is part of our collective DNA. Consider ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ## [Risky Real Estate Offers Resurfacing](https://www.pointequity.com/blog/risky-real-estate-offers-resurfacing) March 11, 2022 Whether you're looking to purchase a new home or already own one, you may run ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 4 MIN READ ## [How Rising Interest Rates Affect the Housing Market](https://www.pointequity.com/blog/how-rising-interest-rates-affect-the-housing-market) February 23, 2022 Rising interest rates bring a lot of expectations, and assumptions, about how ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 4 MIN READ ## [How to Add Value to Your Home: Top Renovation Projects](https://www.pointequity.com/blog/how-to-add-value-to-your-home) February 9, 2022 Are you getting your home ready to sell? Yes, there's science and data behind ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [Can You Use Cryptocurrency to Buy A Home?](https://www.pointequity.com/blog/can-you-use-cryptocurrency-to-buy-a-home) January 26, 2022 Can you use an alternative currency, aka cryptocurrency, to buy a home - in ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 4 MIN READ ## [Why Homeowner Insurance Premiums are Going Up](https://www.pointequity.com/blog/why-homeowner-insurance-premiums-are-going-up) January 12, 2022 Carrying homeowners insurance is an integral part of owning a home - and so is ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [Vacation Home OR Investment Property?  Trends, Rules and Guidelines](https://www.pointequity.com/blog/vacation-home-or-investment-property) December 23, 2021 Vacation home purchases are on the rise across the country. According to Market ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 6 MIN READ ## [Brand New Conforming Loan Limits for 2022 (and FHA, too)](https://www.pointequity.com/blog/new-loan-limits-for-2022) December 10, 2021 For the sixth year in a row, the Federal Housing Finance Authority (FHFA) ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage), | 6 MIN READ ## [Steps to Refinancing](https://www.pointequity.com/blog/steps-to-refinancing) October 29, 2021 Now might be time to learn the steps to refinancing if current interest rates ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [How Do You Define A Housing Bubble?](https://www.pointequity.com/blog/how-do-you-define-a-housing-bubble) October 15, 2021 How do you define a housing bubble, and why is that important to know? Well, a ... [Mortgage](https://www.pointequity.com/blog/tag/mortgage) | 5 MIN READ ## [The Pandemic's Impact on Housing and Mortgages](https://www.pointequity.com/blog/the-pandemics-impact-on-housing-and-mortgages) October 1, 2021 The pandemic left its fingerprints all over the housing and mortgage industries ... 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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/)