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Mortgage Rate Lock: How It Works and When to Lock In

September 07, 2026

A mortgage rate lock is a written commitment from your lender to hold a specific interest rate, along with any... Continue Reading

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Gift Letter for a Mortgage: Requirements and Rules for 2026

August 31, 2026

A gift letter for a mortgage is a signed statement from the person giving you money toward your home purchase,... Continue Reading

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What Does Clear to Close Mean?

Clear to close means your underwriter has signed off on every condition attached to your loan file and approved it... Continue Reading

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How Different Types of Debt Affect Your Mortgage Approval

July 24, 2026

Different types of debt affect your mortgage approval in different ways because underwriters count each debt by a... Continue Reading

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What Is a Temporary Buydown? How It Works in 2026

A temporary buydown is a mortgage financing tool that lowers your monthly payment for the first one to three years... Continue Reading

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How a Mortgage Credit Check Affects Your Credit Score

A mortgage credit check affects your credit score only when the lender runs a hard inquiry, and even then, the... Continue Reading

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How Far Back Do Mortgage Lenders Look at Bank Statements?

Mortgage lenders typically look at the most recent 60 days of bank statements for conventional, FHA, VA, and USDA... Continue Reading

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Home Inspection Checklist for Buyers: FHA and VA Loan Guidelines

A home inspection checklist for buyers is a structured walkthrough document used to evaluate a property's... Continue Reading

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One Extra Mortgage Payment a Year: How Much You Actually Save

Making one extra mortgage payment per year can shave 4 to 6 years off a 30-year loan and save tens of thousands of... Continue Reading

Free Mortgage Calculator

At Flagstone Mortgage, we understand that estimating your mortgage payments can be a daunting task. That's why we offer a free calculator to help you get an idea of what your payments may be. However, it's important to note that the actual payments may differ from what the calculator quotes.