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Clear guidance for homeowner decisions

Practical articles for understanding home value, equity, mortgage costs, and renovation tradeoffs.

HomeownershipEquityRenovation

The First Costs New Homeowners Usually Miss

A practical look at maintenance reserves, insurance changes, taxes, and the monthly costs that do not show up in the sale price.

Understand the difference between market value, loan balance, and usable equity before making a refinance or renovation decision.

Renovations should be judged by comfort, resale value, risk, and timing instead of resale value alone.