--- title: Learning Center | Home-Ownership description: "Home-Ownership | CapCenter offers a number of products designed to help all borrowers get the home they want.\n\nWe are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space." image: https://blog.capcenter.com/hubfs/Logo.png --- [Skip to the main content.](https://blog.capcenter.com/learning-center/tag/home-ownership#main-content) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) Toggle Menu Toggle Menu [![Apply Now](https://no-cache.hubspot.com/cta/default/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde.png)](https://cta-redirect.hubspot.com/cta/redirect/23282485/b2c313b4-9c1c-458c-b1f2-6b3615d53dde) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - Refinance Mortgages - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) - Mortgage Services - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) ##### **Purchase Mortgages** - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) ##### **Refinance Mortgages** - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) ##### **Mortgage Services** - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) ##### **Getting Started** - [Get Pre-Approved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) ##### **Purchase Services** - [Recently Listed Homes](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) ##### **Listing Services** - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6067,37.4691,-77.3368,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) ##### **Realty Services** - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - [Realty Purchase Services](https://www.capcenter.com/best-realtor-buy-home) ##### **Getting Started** - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) ##### **Property & Casualty** - [Homeowners](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Automobile](https://www.capcenter.com/learning/insurance/car-insurance) ##### **Life Insurance** - [Term Life](https://www.capcenter.com/learning/insurance/life-insurance) ##### **Getting Started** - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) ##### **Mortgage Programs** - [Conventional Mortgages](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ##### **Common Questions** - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a pre-approval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) ##### **Resource Center** - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) ##### **Guides** - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 # Learning Center   --- **Shed the confusion with our featured Mortgage, Real Estate and Insurance articles** CapCenter offers a number of products designed to help all borrowers get the home they want. We are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. ![LEARN](https://blog.capcenter.com/hubfs/LEARN.png "LEARN") ![Happy Family Looking At A Computer On A Couch](https://blog.capcenter.com/hubfs/test-image.jpg "Happy Family Looking At A Computer On A Couch") ### Home-Ownership [![Storm cloud over house with adequate home insurance coverage](https://blog.capcenter.com/hs-fs/hubfs/stormhouseHubspot.jpg?width=3950&height=2222&name=stormhouseHubspot.jpg)](https://blog.capcenter.com/learning-center/home-insurance-vs-home-warranty) 3 min read #### [Home Insurance vs. Home Warranty](https://blog.capcenter.com/learning-center/home-insurance-vs-home-warranty) ![Picture of James Anderson](https://blog.capcenter.com/hs-fs/hubfs/James%20Anderson%20Portrait.png?width=30&name=James%20Anderson%20Portrait.png) [James Anderson](https://blog.capcenter.com/learning-center/author/james-anderson): May 19, 2023 5:00:23 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/home-insurance-vs-home-warranty) [![father handing moving box to daughter as they move into their first home purchase](https://blog.capcenter.com/hs-fs/hubfs/PMI.png?width=1748&height=915&name=PMI.png)](https://blog.capcenter.com/learning-center/first-time-homebuyer-loans) 5 min read #### [First-Time Homebuyer Loans](https://blog.capcenter.com/learning-center/first-time-homebuyer-loans) ![Picture of Callie Ruane](https://blog.capcenter.com/hs-fs/hubfs/Callie%20Profile%20Picture.png?width=30&name=Callie%20Profile%20Picture.png) [Callie Ruane](https://blog.capcenter.com/learning-center/author/callie-ruane): Apr 25, 2023 9:58:10 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/first-time-homebuyer-loans) [![father handing moving box to daughter](https://blog.capcenter.com/hs-fs/hubfs/PMI.png?width=1748&height=915&name=PMI.png)](https://blog.capcenter.com/learning-center/what-are-closing-costs-and-why-do-they-differ) 2 min read #### [What are Closing Costs and Why Do They Differ?](https://blog.capcenter.com/learning-center/what-are-closing-costs-and-why-do-they-differ) ![Picture of Alexis Rice](https://blog.capcenter.com/hs-fs/hubfs/Alexis%20Rice%20Picture.jpg?width=30&name=Alexis%20Rice%20Picture.jpg) [Alexis Rice](https://blog.capcenter.com/learning-center/author/alexis-rice): Apr 24, 2023 11:07:16 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [Cash-Out Refinance](https://blog.capcenter.com/learning-center/tag/cash-out-refinance) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Mortgage Rates](https://blog.capcenter.com/learning-center/tag/mortgage-rates) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/what-are-closing-costs-and-why-do-they-differ) [![father handing moving box to daughter](https://blog.capcenter.com/hs-fs/hubfs/PMI.png?width=1748&height=915&name=PMI.png)](https://blog.capcenter.com/learning-center/5-reasons-to-refinance) 2 min read #### [5 Reasons to Refinance](https://blog.capcenter.com/learning-center/5-reasons-to-refinance) ![Picture of Casey Gennette](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63a4c425c8c1bd1c51f2516a_GennetteCasey.jpg?width=30&name=63a4c425c8c1bd1c51f2516a_GennetteCasey.jpg) [Casey Gennette](https://blog.capcenter.com/learning-center/author/casey-gennette): Apr 21, 2023 10:52:30 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [Cash-Out Refinance](https://blog.capcenter.com/learning-center/tag/cash-out-refinance) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Mortgage Rates](https://blog.capcenter.com/learning-center/tag/mortgage-rates) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/5-reasons-to-refinance) [![father handing moving box to daughter after they sold home using a real estate agent](https://blog.capcenter.com/hs-fs/hubfs/PMI.png?width=1748&height=915&name=PMI.png)](https://blog.capcenter.com/learning-center/real_estate_agent_vs_for_sale_by_owner) 2 min read #### [Using a real estate agent vs. for sale by owner](https://blog.capcenter.com/learning-center/real_estate_agent_vs_for_sale_by_owner) ![Picture of Jimmy Mouser](https://blog.capcenter.com/hs-fs/hubfs/Jimmy%20Mouser%20Profile%20Picture.jpg?width=30&name=Jimmy%20Mouser%20Profile%20Picture.jpg) [Jimmy Mouser](https://blog.capcenter.com/learning-center/author/jimmy-mouser): Apr 18, 2023 8:32:09 PM [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Realty](https://blog.capcenter.com/learning-center/tag/realty) [Read More](https://blog.capcenter.com/learning-center/real_estate_agent_vs_for_sale_by_owner) [![father handing moving box to daughter](https://blog.capcenter.com/hs-fs/hubfs/PMI.png?width=1748&height=915&name=PMI.png)](https://blog.capcenter.com/learning-center/private-mortgage-insurance) 4 min read #### [Private Mortgage Insurance](https://blog.capcenter.com/learning-center/private-mortgage-insurance) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 17, 2023 4:23:24 PM [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Mortgage Rates](https://blog.capcenter.com/learning-center/tag/mortgage-rates) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/private-mortgage-insurance) [![family bringing boxes into new home](https://blog.capcenter.com/hs-fs/hubfs/Interest%26monthly.png?width=1748&height=915&name=Interest%26monthly.png)](https://blog.capcenter.com/learning-center/interest-rate-your-monthly-payment) 3 min read #### [Interest Rate & Your Monthly Payment](https://blog.capcenter.com/learning-center/interest-rate-your-monthly-payment) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 17, 2023 3:13:35 PM [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Mortgage Rates](https://blog.capcenter.com/learning-center/tag/mortgage-rates) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/interest-rate-your-monthly-payment) [![man on ladder cleaning gutters](https://blog.capcenter.com/hs-fs/hubfs/Gutters.png?width=1748&height=915&name=Gutters.png)](https://blog.capcenter.com/learning-center/homeowners-fall-checklist) 3 min read #### [Homeowners Fall Checklist](https://blog.capcenter.com/learning-center/homeowners-fall-checklist) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 17, 2023 10:54:00 AM [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/homeowners-fall-checklist) [![Man behind wheel of car](https://blog.capcenter.com/hs-fs/hubfs/CarInsurance.png?width=1748&height=915&name=CarInsurance.png)](https://blog.capcenter.com/learning-center/car-insurance) 2 min read #### [Car Insurance](https://blog.capcenter.com/learning-center/car-insurance) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 14, 2023 4:03:14 PM [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/car-insurance) [![Man with hands behind head relaxed looking at laptop](https://blog.capcenter.com/hs-fs/hubfs/Homeownersinsurance.png?width=1748&height=915&name=Homeownersinsurance.png)](https://blog.capcenter.com/learning-center/homeowners-insurance) 2 min read #### [Homeowners Insurance](https://blog.capcenter.com/learning-center/homeowners-insurance) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 14, 2023 3:15:35 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Insurance](https://blog.capcenter.com/learning-center/tag/insurance) [Home-Ownership](https://blog.capcenter.com/learning-center/tag/home-ownership) [Read More](https://blog.capcenter.com/learning-center/homeowners-insurance) [1](https://blog.capcenter.com/learning-center/tag/home-ownership/page/1) [2](https://blog.capcenter.com/learning-center/tag/home-ownership/page/2) [Next](https://blog.capcenter.com/learning-center/tag/home-ownership/page/2) #### **Take The First Step Today** #### Get Pre-approved For A Zero Closing Cost Loan Competitive Interest Rate Mortgages With Traditional Closing Costs Covered [Apply Now](https://www.capcenter.com/apply-now/) ![Woman smiling and thinking at a laptop](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63c9717794ae137bdc0a155d_1-0%20Rate%20Buy%20Down-p-1080.jpg) #### Speak 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