Fixed Versus Adjustable Mortgages: Which Fits?
Compare fixed versus adjustable mortgages with payment math, point break-evens, ARM caps, and a credit-protected way to shop lender pricing confidently.
How Mortgage Lenders Make Money: Duane Buziak Breaks Down the $400,000 Loan
Duane Buziak explains how mortgage lenders make money by breaking down a real $400,000 loan example, revealing the origination fees, secondary market premiums, and servicing income that add up to $10,000-$12,000 in near-term revenue per transaction.
Too Many Hard Inquiries From Mortgage Shopping? Duane Buziak Explains the 45-Day Rule
Borrowers who worry about too many hard inquiries from mortgage shopping can relax: FICO and VantageScore both treat multiple mortgage pulls within a defined window as a single inquiry. This article breaks down the 45-day rule so you can compare lenders without fear of tanking your credit score.
Why GrandRates.com? Duane Buziak Explains His Independent Mortgage Rate Comparison Approach
This article answers why GrandRates.com exists: broker Duane Buziak built an independent, no-credit-hit comparison process that shops hundreds of wholesale lenders instead of relying on one company’s rate sheet. It shows how even a small rate difference, like 0.375 points on a $400,000 loan, can cost thousands more over a five-year hold if you only get one quote.
Mortgage Rate Volatility and Your Lock Decision
Mortgage rate volatility changes what you pay, when to lock, and whether points work. Compare same-day offers with no credit inquiry before you commit.
Mortgage Calculator: Compare Payment and Cost
Use a mortgage calculator to compare payment, points, taxes, insurance, and five-year cost before choosing your rate or lender confidently. See how pricing changes affect your cash and cost.
Reverse Mortgage Eligibility
GrandRates does not publish standalone reverse mortgage eligibility content. Contact a qualified reverse mortgage specialist for program guidance.
Mortgage Points Explained for Rate Shoppers
Mortgage points explained with real payment math, break-even timing, and rate-shopping steps to help you compare offers before locking a loan with clarity.
Commercial Loans for Properties That Cash Flow
Compare commercial loans by rate, points, term, and DSCR. See how a broker/lender shops wholesale options while protecting credit with a soft pull first.
FHA Loan Down Payment Requirements Explained
FHA loan down payment requirements: see 3.5% and 10% rules, credit scores, gift funds, closing costs, and how to compare FHA pricing without a hard pull.