The Next Point is our quarterly homeowner update - practical information about your mortgage, your equity, your home, and the decisions that may come next.
Latest issue
Fall 2026
A big change in roof insurance rules
Fannie Mae and Freddie Mac now allow actual-cash-value coverage on roofs. That may make some older-roof homes easier or less expensive to insure, but it also can leave homeowners responsible for more of the cost after a claim.
Also in this issue: whether a seller should consider getting a home inspection before listing, and how finding problems early can give the seller more options.
Past issues
New issues will be added here each quarter.
About The Next Point
Homeownership doesn't stop at closing. Over time, questions come up about your mortgage, your equity, insurance, repairs, selling, refinancing, and what makes sense next.
The Next Point is our way of sharing a few useful ideas each quarter - without turning your inbox into a sales pitch.