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Are you looking at the mortgage rates right now and considering making a home purchase or refinancing your home? If so, what do you need to know beforehand? Matt will also tackle a discussion of whether you should have a Health Savings Account. Show Notes, Resources & Contact Info: https://smartmoneyquestions.com/ Timestamps: 1:22 - Today we’re going over mortgages and HSAs. 4:17 - Mortgage rates have dropped to historic lows. 8:18 - What is a cash out refinance and rate and term refinance? 9:30 - What requirements are in your loan? 11:11 - How does a variable rate work? 12:27 - What are the closing costs? 15:55 - Are you eligible for any discounts? 17:20 - Make sure you understand what you are getting into. 20:01 - How is the bank expecting you to pay back a home equity line? 20:40 - A home equity line of credit can be very valuable when needed. 21:42 - What is a Health Savings Account? 23:31 - Qualified medical expenses can be paid out in the future, tax-free. 24:49 - How does Matt use his HSA? 26:15 - What are the drawbacks?