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In the 2010s, minimalism and neutral colors dominated the landscape of interior design. Since 2020, though, many homeowners have begun to embrace their homes as an opportunity for self-expression. While we may not see a trend toward the total maximalism that was all the rage in the 1990s, we are noticing that homeowners want to be surrounded by sentimental (yet selective) décor pieces, colorful paintings, and textures and patterns that please their individual artistic sensibilities.

Still, there is a middle ground between filling every available space and intentionally leaving gaping swaths of negative space. If you’re attempting to navigate a transition from minimalism to cozy individualism, you may be wondering how to embrace clutter without the…

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Buying mortgage points is a way to secure a lower interest rate during the home buying process. It can save you several thousands of dollars in interest over the life of the loan and lower your monthly mortgage payment. Check out this nifty guide to learn how they’re calculated so you can assess if purchasing mortgage points makes sense for your situation.

Mortgage Points: What are they?

Mortgage points, also known as discount points, are fees you pay your lender to reduce your interest rate when you purchase homes or refinance. You’ll give your mortgage lender cash upfront to reduce your interest rate for the life of the loan. 

Should You Buy Discount Points?

If you have the budget for buying points, the decision often comes down to…

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