Northpoint Blog

When you’re buying a home, the monthly payment matters just as much as the price tag, and when mortgage rates are higher, that payment can make a big difference in what feels comfortable for your budget. Even without a change in a home’s price, a higher interest rate can increase the monthly cost of financing it.

Planning a move? Use these questions to research a new neighborhood, including how taxes and insurance can change your monthly mortgage payment.

Buying your first home is a huge milestone, and it's normal for it to feel like a lot. Between scrolling listings, learning new terms, and figuring out what you can actually afford, it's easy to make a misstep that costs you time, money, or your dream home. The good news? Most first-time buyer mistakes are totally avoidable once you know what to look out for. Here are five of the most common ones we see, plus how to steer clear of them. Looking for a home before talking to a

The 21st Century ROAD to Housing Act is now federal law and one of the biggest housing reforms in decades. It won't drop mortgage rates tomorrow, but it reshapes supply, financing, and competition over the next several years.

Wondering how long it takes to buy a home? Learn the steps & get tips to speed up your homebuying journey!

Confused by mortgage terminology? This guide explains common mortgage terms in plain English, helping first-time homebuyers and homeowners better understand the mortgage process. From escrow and underwriting to closing costs and pre-approval, learn the key definitions you need to feel confident as you navigate your home financing journey.

Northpoint Mortgage is proud to announce that it has earned the prestigious 2026 USA TODAY Top Workplaces award. The award honors organizations with 150 or more employees that have created exceptional, people-first cultures. This year, more than 42,000 organizations were invited to participate. The winners are recognized for their commitment to fostering a workplace environment that values employee listening and engagement. USA TODAY showcased the winners online and at the

Everyone wants the lowest mortgage rate — and that's completely reasonable. But chasing a number without knowing the full picture can cost you more than you'd ever save. Rate shopping is smart. But rate shopping blindly is dangerous. Before you jump at the lowest number you see advertised, there are some critical traps every homebuyer needs to understand.

The holidays are special every year, but they feel even more meaningful when someone is celebrating in a new home for the first time. If you’re looking for the perfect gift for a recent buyer—whether it’s a client, friend, or family member—this list includes thoughtful and practical ideas they’ll appreciate (and actually use!).