Budget Sidekick
March 2026 Newsletter
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Hey — thanks for being here. This is our first newsletter, so we'll keep it short and useful.
Spring is the busiest time in real estate. If you're thinking about buying this year, now is when you want to get your finances buttoned up and your pre-approval locked in. We've been building tools and guides to help — here's what's new and what's worth reading.
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What's new on Budget Sidekick
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Home Affordability Budget Planner
See what a lender will approve and what you should actually spend — side by side. This planner compares lender maximums against the 50/30/20 rule, with a full payment breakdown including taxes, insurance, and FHA estimates. Start with what you take home, end with a number you're comfortable with.
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CDD Fees Explained
Buying in a master-planned community or new construction neighborhood? CDD fees are a hidden cost that can add hundreds per month. We break down what they are, why they exist, and how to factor them in.
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HELOC vs Home Equity Loan vs Cash-Out Refinance
Already own a home? We published a side-by-side comparison of the three main ways to tap your equity — with a clear breakdown of when each one makes sense.
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FHA Loan Apply Page
If you're looking at FHA specifically — 3.5% down, flexible credit — we now have a dedicated apply page. Answer a few questions, get matched with FHA lenders. No credit check, no obligation.
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Worth reading if you're buying this spring
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The 90-Day Credit Boost
If you're 90 days out from applying for a mortgage, this is the guide. Strategic moves to push your score up 50+ points — what to do, what not to do, and in what order.
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30-Day Pre-Approval Checklist
A day-by-day action plan for first-time buyers. Pull your credit, gather docs, compare lenders — all mapped out so nothing slips through the cracks.
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Mortgage Closing Costs Explained
Closing costs add 2–5% to your loan. Some fees are negotiable, some aren't. This guide breaks down every line item and shows you where you can push back.
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Quick numbers
IRA contribution limits went up for 2026 — $7,500 (under 50) and $8,600 (50+). If you haven't maxed out yet, you have until April 15, 2027. Details here.
Compare today's mortgage rates — See current offers from lenders, filtered by credit score and loan type.
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Ready to get started?
Whether you're buying your first home or refinancing, we can connect you with licensed lenders in minutes.
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