About ModernColony

What this site is

ModernColony explains how home buying, selling and ownership actually work — escrow, points, PMI, contingencies, inspections, and what an appraisal gap really costs.

The mechanics, with the numbers attached and the assumptions stated. What this site will not do is tell you whether to buy, sell or refinance: that depends on your rate, your market and your timeline, none of which are visible from here. Nothing on this site is financial or legal advice, and it is not written by a licensed agent, lender or advisor.

How these articles are made

Articles here are written with AI assistance and researched from published sources, which are linked in the text so you can follow them. Nothing on this site is based on hands-on testing — where a figure or a finding appears, it belongs to the source cited next to it, and the writing says so rather than implying otherwise. Some articles contain affiliate links, marked at the top of the article; see the disclosure page.