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Close With Duane
Homeowners Facing 2026 Mortgage Changes
Has your monthly mortgage payment suddenly jumped? 📈
You may be experiencing an escrow shortage, which happens when last year’s collected funds weren’t enough to cover rising property taxes or insurance premiums.
You generally have two options:
• Pay the shortage in one lump sum to keep future payments lower.
• Spread it over 12 months, which creates a temporary “double-spike.”
Understanding how escrow works and reviewing your Annual Escrow Disclosure can save you money. Sometimes, appealing taxes or shopping for better insurance rates can reduce the hit.
Stay informed and take control of your payment in 2026.
Watch the full video:
https://youtu.be/tEx96H1h4Wk?si=IgnVy...
#EscrowShortage #MortgagePayment #HomeownerTips #CloseWithDuane #PropertyTaxes #InsuranceSpike #FinancialPlanning #2026RealEstate
3 months ago | [YT] | 0
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Close With Duane
Buying a Home Takes a Team — Not Just One Person
There is teamwork involved in the process of home buying that includes the buyer’s side, the realty agent’s side, and the lender’s side.
If coordination is done in the proper manner, closing the transaction is less stressful and even smoother.
In this video, Duane Buziak (The Mortgage Maestro) describes:
Why communication & coordination are important
How the Right Team Can Prevent Delays and Surprises
Why aligned professionals solve problems faster
How teamwork leads to stress-free transactions.
Selecting the right team is as important as selecting the right home.
The full video can be accessed below:
https://youtu.be/ftB1e-uNq0M?si=Xfago...
If you think that teamwork makes home-buying easier, then drop your ???? in the comments!
#HomeBuyingTips #HomeBuyingTeam #MortgageTips
#MortgageMaestro #DuaneBuziak #Homeownership
#BuyAHome #FirstTimeHomeBuyer #HomeBuyers
5 months ago (edited) | [YT] | 0
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Close With Duane
Believe you can always "reschedule" closing if something pops up?
Think again.
An extension of the closing, even if it’s only for a few days, may initiate the “Per Diem Penalties,” whereby the buyer will pay thousands of dollars in penalties to the seller daily.
In his CloseWithDuane clip titled “Per Diem Penalties—The Costly Mistake Many Sellers Make,” Duane Hampton discusses the conditions that lead to per
Please watch the complete video link provided below in reference to why the closing dates are more important than most consumers feel they are
https://youtu.be/reemgumXrTs?si=NAagv...
In real estate, deadlines are not merely recommendations. They’re a monetary obligation.
#PerDiemPenalties #ClosingDay #RealEstateDeadlines #CloseWithDuane #MortgageEducation #HomeBuyingTips #AvoidCostlyMistakes
5 months ago (edited) | [YT] | 0
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