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Buying a House and Owning a Home

Points: They're Not Just for Credit Cards

You can’t change your credit score overnight. You’ve saved all you can for a down payment. But you still really want that lower interest rate. Should you pay to get it?

 
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transaction fee

transaction fee

The amount of money that may be charged every time you use your HELOC.

reserve fund/reserve account

reserve fund/reserve account

The money a homeowners association sets aside to maintain, repair, or replace common areas of the property (roofs, pools, tennis courts, etc.).

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certificate of value

certificate of value

A VA-issued document, based on the property’s appraised value, that sets the maximum value and loan amount for a VA loan.

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