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Real Estate Agent or Broker? Real estate experts go by a few different names, although the distinction shouldn’t matter for you as a first time home buyer. Important is to make certain the broker or agent you chouse is a licensed real estate professional. All real estate brokers or agents are licensed and regulated by each state. Why “No Points” 30-Year Fixed Loans Don’t Make Sense I hear it all the time, and you probably do too. On the radio, TV, in the newspaper or online – “Call now to get a 30-year fixed loan at x% with no points or fees!”. I’d like to explain to you why this almost never makes sense. Three Questions You Must Ask Your Loan Officer It's pretty easy to isolate the good from the bad in a lot of professions: a dentist laughing gleefully every time you flinch, a plumber demanding payment up front while your knees disappear underwater, a real estate agent who never returns your call or is constantly dragging you to inappropriate houses. You wouldn't let any of these hang around long enough to do any real damage Fixed vs. Adjustable Rates Apples vs. oranges. Boxers vs. briefs. Dave Letterman vs. Jay Leno. These debates may rage on for decades, and we can add another one to the list: fixed vs. adjustable. We’re speaking, of course, of fixed rate and adjustable rate mortgages.