Caleb Thornton

Caleb came to housing writing after years working in mortgage processing at a regional credit union, where the paperwork taught him how much of a purchase hides in the fine print. He now covers buying and moving for Kenponet, with a focus on the numbers a first-time buyer rarely sees until closing: rate locks, escrow, mortgage insurance and moving costs. He likes a worked example more than a rule of thumb, and he always shows the arithmetic so readers can rerun it with their own figures.