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Victoria Araj

Victoria Araj is a former Team Leader for Rocket Mortgage and held roles in mortgage banking, public relations and more in her 19+ years with the company. She holds a bachelor’s degree in journalism with an emphasis in political science from Michigan State University, and a master’s degree in public administration from the University of Michigan.

Recent Articles

Townhouses in New York City while it snows in winter.

5-minute read

New York CEMA loans: Everything you need to know

If you’re refinancing a home in New York state, a CEMA loan may save you thousands of dollars in mortgage taxes. Learn more about CEMA loans and how they work.

A woman multitasking on a phone call and computer, potentially related to mortgage or real estate inquiries.

5-minute read

Prequalified vs. preapproved: what’s the difference?

A prequalification estimates how much you can afford, while a preapproval gives a better estimate and verifies your financial info for a loan. Learn more.

A woman wearing glasses stands at a desk, working on a laptop computer and looking on a piece of paper.

10-minute read

Closing Disclosure: What it is and how to read the form

Your Closing Disclosure is an important mortgage document, but it can be difficult to interpret. We broke down the essential components in this complete guide.

Two men in suits discussing contracts with folded hands.

8-minute read

Mortgage fraud: What you need to know to avoid it

Mortgage fraud occurs when someone lies or omits information to get loan approval or favorable loan conditions. Learn about common types of mortgage fraud here.

Hands pressing a calculator and writing on a notepad, signifying financial calculations or planning.

8-minute read

How to refinance an FHA loan to a conventional loan

Refinancing from an FHA loan to a conventional one offers several benefits. Learn how to refinance from an FHA loan as well as other pros and cons.

Illustration depicting refinancing for home improvements such as by paints.

9-minute read

Refinancing for home improvements: A guide

Are you considering making home improvements? Learn how to refinance your mortgage for home improvements, the benefits of refinancing and more with our guide.

A couple looking towards a house possibly the one they just bought and thinking of starting a new chapter in it.

6-minute read

Kit homes: What you should know before buying

Kit homes are mail-order homes delivered in parts and built right on your property. Explore the pros and cons of building one and how much it could cost you.

Couple exploring a new home with a realtor, examining or considering a property.

8-minute read

How to buy a house with cash in 2025 and beyond

Buying a house with cash can streamline the home buying process, but it can also come with a few downsides. Learn how to buy a house with cash here.

A condo complex with HOA, indicating community living and homeowners' association in real estate.

10-minute read

Homeowners association (HOA): What it means and how it works

A homeowners association (HOA) manages community rules, fees and amenities in a planned neighborhood or complex. Our guide goes over how HOAs work.