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Week-by-week walkthrough of buying your first home — soft credit pull through closing day. Covers documents, down payment realities, and the 5 mistakes that kill deals at the finish line.

The break-even framework, three rate-drop thresholds, and the cash-out vs HELOC decision tree. Plus the refinance traps that quietly cost homeowners money.

Variable line of credit or fixed lump sum? Quick comparison, when each one wins, and the trap most homeowners fall into when the draw period ends.

What underwriters actually look at, the four fast wins that move your score, and the two things you must NOT do before closing. Includes credit score thresholds that change your rate.