Priya Dawson
I write plain-language guides for MortgageDirectory about how home purchase loans, refinances, home equity products, and reverse mortgages work. My goal is to explain the moving parts, like principal, interest, term, escrow, closing costs, and PMI, so you can understand rates, costs, and loan terms before you ever talk to a lender. I also help readers get the most out of our payment calculator, including taxes, insurance, PMI, and HOA, and how to read the results. I am not a lender, broker, or advisor, and nothing I write is personal financial advice. Everything here is educational, so you can walk into a conversation with a lender feeling informed instead of confused.
Articles by Priya Dawson
Nov 3, 2026 · Reverse Mortgages, Retirement Planning
Reverse Mortgage Payout Options: Lump Sum, Monthly, or Line of Credit
Compare reverse mortgage payout options lump sum, monthly, or line of credit. See how each affects flexibility, rates, and long-term costs.
Nov 1, 2026 · Reverse Mortgages, Mortgage Education
When Can a Reverse Mortgage Become Due and Payable?
A reverse mortgage becomes due and payable when you move out, sell, or pass away. Knowing the triggers helps you avoid surprise bills and maximize recovery.
Oct 28, 2026 · Mortgage Education, Mortgage Basics
Debt to Income Ratio for Mortgage Approval Explained
Debt to income ratio for mortgage approval explained: learn how lenders calculate DTI, common limits by loan program, and practical ways to lower yours before applying.
Oct 25, 2026 · Mortgage Basics, Mortgage Education
15 Year vs 30 Year Mortgage Comparison: Which Term Fits?
Compare 15 year and 30 year mortgages: monthly payments, total interest, and qualification. See which term fits your budget and goals.
Oct 21, 2026 · Mortgage Basics, Mortgage Education
Mortgage Escrow Accounts: How They Work and Why
A mortgage escrow account collects property tax and insurance payments monthly, ensuring bills are paid on time and avoiding surprise expenses.
Oct 17, 2026 · Home Purchase Loans, Mortgage Basics
What Are Closing Costs When Buying a Home? A Clear Guide
Learn what closing costs when buying a home cover, typical 2% to 5% ranges, and how to budget for them to avoid surprises at closing.
Oct 16, 2026 · Refinancing, Mortgage Education
How Does Mortgage Refinancing Work? A Step-by-Step Guide
Replacing your mortgage can lower your rate or change your term. Here is how does mortgage refinancing work, from application to closing.