Carolina Mortgage Insights with Paul Mattos
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Can I Remove PMI With a Refinance?
Refinancing may eliminate PMI if you have enough home equity, but you may be able to cancel it without replacing your mortgage. Learn about the 80% request threshold, 78% automatic termination, appraisals, FHA MIP and refinance costs.
When Does It Make Sense to Refinance?
When should you refinance your mortgage? Learn how to compare rates, closing costs, loan terms, mortgage insurance and your break-even timeline.
Is It Better to Put More Money Down?
Should you put more money down or keep cash after closing? Compare payment savings, mortgage insurance, loan terms and reserves before deciding.
Should I Use All My Savings for a Down Payment?
Should you put every dollar toward your down payment? Learn how to balance your mortgage payment with closing costs, move-in expenses, and savings after buying.
Hidden Costs of Buying a Home
The down payment is just the start. Learn which upfront, monthly, and after-closing costs to budget for when buying a home in North or South Carolina.
Why Did My Mortgage Payment Change?
A higher mortgage bill may come from taxes, insurance, an escrow shortage, or your loan terms. Learn how to identify the change and what to check next.