Claire Carter

I write plain-language guides for MortgageDirectory about how home purchase loans, refinances, home equity products, and reverse mortgages work. My goal is to help you understand rates, costs, and loan terms before you ever talk with a lender. I focus on breaking down the basics, from down payments and PMI to closing costs and how to read a Loan Estimate. I am not a lender or financial advisor, and I do not quote rates or give personal advice. I just explain how the pieces fit together so you can ask better questions and feel more confident about your own decisions.