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APR vs. interest rate. Points vs. credits. PMI, escrow, loan estimate—mortgage terms shouldn’t feel like a foreign language. We translate every line item into plain English, show how each choice affects your payment and cash due, and give you a clean comparison so you can decide with confidence. Clarity first, then the numbers. www.adamkarcz.com/adam-karcz Personal: NMLS917109 Company: NMLS2560979 #MammothMortgage #MortgageEducation #ClarityFirst #HomeLoanOptions #MoneySmart #FirstTimeBuyer | Ma

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Interest Rate vs. APR — What’s the REAL Difference? This question comes up all the time, and honestly it’s one of the most misunderstood parts of borrowing money. In this quick conversation, I ask a simple question and Margie (Signing Home Loans) breaks it down in a way that actually makes sense. Interest Rate is the cost of borrowing money. This is what your monthly payment is primarily based on. APR (Annual Percentage Rate) is the true cost of the loan. APR includes interest plus certain upfro

金利と4月の違い（比較表付き） - ブログ 2026

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