APR vs. interest rate. Points vs. credits. PMI, escrow, loan estimate—mortgage terms shouldn’t feel like a foreign language. We translate every line item into plain English, show how each choice affects your payment and cash due, and give you a clean comparison so you can decide with confidence. Clarity first, then the numbers. www.adamkarcz.com/adam-karcz Personal: NMLS917109 Company: NMLS2560979 #MammothMortgage #MortgageEducation #ClarityFirst #HomeLoanOptions #MoneySmart #FirstTimeBuyer | Ma
APR vs. interest rate. Points vs. credits. PMI, escrow, loan estimat…
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