{"version":"https://jsonfeed.org/version/1","title":"Sal Criscuolo","home_page_url":"https://salcriscuolo.com","description":"Sal Criscuolo","author":{"name":"Sal Criscuolo"},"items":[{"id":"https://salcriscuolo.com/f/should-i-get-a-heloc-instead-of-refinancing","html_content":"<p>If your mortgage rate starts with a three or a four and today's rates are above seven percent, a HELOC is usually the better move. You keep your low first mortgage right where it is and borrow against your equity separat...</p>","url":"https://salcriscuolo.com/f/should-i-get-a-heloc-instead-of-refinancing","title":"Should I get a HELOC instead of refinancing?","summary":"If your mortgage rate starts with a three or a four and today's rates are above seven percent, a HELOC is usually the better move. You keep your low first mortgage right where it is and borrow against your equity separat...","date_modified":"2026-09-25T16:33:09Z"},{"id":"https://salcriscuolo.com/f/what-is-ufmip-and-why-is-it-on-my-fha-estimate","html_content":"<p>UFMIP stands for Upfront Mortgage Insurance Premium. On a typical FHA loan it is financed into your mortgage, so it does not add to the cash you bring to closing.\n\nIf you are buying with an FHA loan, you will see UFMIP o...</p>","url":"https://salcriscuolo.com/f/what-is-ufmip-and-why-is-it-on-my-fha-estimate","title":"What is UFMIP and why is it on my FHA estimate?","summary":"UFMIP stands for Upfront Mortgage Insurance Premium. On a typical FHA loan it is financed into your mortgage, so it does not add to the cash you bring to closing.\n\nIf you are buying with an FHA loan, you will see UFMIP o...","date_modified":"2026-09-24T18:28:35Z"}]}