mortgages

Your home is one of the biggest investments you’ll ever make, and refinancing your mortgage can be a smart financial move — if done correctly. Whether you’re looking to lower your monthly payment, reduce your interest rate, or tap into your home’s equity, refinancing can help you achieve your financial goals. At Middlefield Bank, we’re here to make the refinancing process easy to understand. This guide will walk you through how refinancing works, when it makes sense,...
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Life is full of milestones, and while they’re exciting, they can also be... expensive. Whether you’re planning a wedding, sending your child to college—we know, we’re crying too—or getting the golf clubs ready to gear up for retirement, having a savings plan in place is essential. This guide is here to help you save for major life events in 2025, offering practical tips to make your financial goals feel achievable—and maybe even a little fun. 1. Weddings: Saying...
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When you’re thinking about buying a home, one of the key factors lenders consider is your debt-to-income (DTI) ratio. But what exactly is this ratio, and why does it matter? In this post, we’ll break down everything you need to know about DTI, including how to calculate it, why it’s important, and how it impacts your mortgage or home loan application. What Is Debt-to-Income Ratio? Your debt-to-income ratio is the percentage of your monthly gross income that goes towards paying...
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