Staff writer, Mortgages
Yusuf worked as a mortgage underwriter for six years before switching to writing about the process from the other side of the desk. He still pulls the actual rate sheets and runs the math himself rather than quoting a headline number, because that's the part he watched trip up the most borrowers. He keeps a running file of lender quotes he's collected from readers to check his own numbers against.
Covers Mortgages
Mortgage Rates This Week: What a Quarter Point Costs YouThis week's mortgage rates from five lenders, what moved them, and the real monthly and lifetime cost of a 0.25% rate difference on a typical loan.
Points, Credits and the APR You Should Actually CompareA plain explanation of mortgage discount points, lender credits, and why APR, not the headline rate, is the number that makes two loan offers comparable.