Finally Home Video Case Study Campaign

Suburban driveway — couple unloading groceries at their new home. A kid rides up on a scooter.

ADULT 1
I still don’t get why we’re paying monthly mortgage insurance in addition to homeowner’s insurance.

KID
That’s because it’s not for you — it’s for the lender. It’s called private mortgage insurance, or PMI.

ADULT 2
So… we’re paying to protect them?

KID
Exactly. Since you didn’t put 20% down, the lender takes on more risk. PMI covers them if you stop making payments.

ADULT 1
That sounds unfair.

KID
Actually, it helped you buy your home sooner. Instead of saving for years, you got in with a smaller down payment — just 3 or 5 percent, right?
(The couple looks at each other, surprised the kid knew that.)

ADULT 2
So we’re paying a little extra each month for the chance to buy earlier?

KID
Bingo. And the best part? Once you build enough equity — usually 20% — it goes away.

ADULT 1
Wait, so it’s temporary?

KID
Temporary, but powerful. Like training wheels for homeownership.
(Scoots off.)

END CARD: Finally Home – Get there sooner with smart mortgage tools.

Front yard. The couple is bragging about saving money on their soon-to-be home purchase. Kid peeks out from behind a bush with a clipboard.

ADULT 1
We’re going to save $600 by skipping the home inspection!

KID
Oh cool — so you’d rather spend $40,000 later?
(Steps out)

ADULT 2
Excuse me?

KID
Inspections find hidden issues — roof leaks, bad wiring, foundation cracks… all the things you don’t see on the tour.

ADULT 1
But the house looked great.

KID
Exactly what termites want you to think.

ADULT 2
So it’s not just about saving money?

KID
Nope. It gives you peace of mind and negotiating power. If something’s wrong, you can ask the seller to fix it or lower the price.

ADULT 1
Wow. So skipping it could cost us more.

KID
Way more. Inspections are your best friend — unless you like surprise renovations.

ADULT 2
We’ll call our REALTOR.

KID
Good call. I’ll add it to my clipboard.
(Walks off, taking notes.)

END CARD: Finally Home – Protect your investment from the start.

Suburban driveway — couple unloading groceries at their new home. A kid rides up on a scooter.

ADULT 1
I still don’t get why we’re paying monthly mortgage insurance in addition to homeowner’s insurance.

KID
That’s because it’s not for you — it’s for the lender. It’s called private mortgage insurance, or PMI.

ADULT 2
So… we’re paying to protect them?

KID
Exactly. Since you didn’t put 20% down, the lender takes on more risk. PMI covers them if you stop making payments.

ADULT 1
That sounds unfair.

KID
Actually, it helped you buy your home sooner. Instead of saving for years, you got in with a smaller down payment — just 3 or 5 percent, right?
(The couple looks at each other, surprised the kid knew that.)

ADULT 2
So we’re paying a little extra each month for the chance to buy earlier?

KID
Bingo. And the best part? Once you build enough equity — usually 20% — it goes away.

ADULT 1
Wait, so it’s temporary?

KID
Temporary, but powerful. Like training wheels for homeownership.
(Scoots off.)

END CARD: Finally Home – Get there sooner with smart mortgage tools.

Parents arguing while mowing and trimming the yard. Kid interrupts mid-yardwork.

DAD
Why pay for a home warranty? We already have insurance.

KID
Yeah, but insurance won’t fix your fridge when it quits on a Friday night.

MOM
Wait — really?

KID
Insurance covers disasters like fire or flooding. Home warranties cover appliances and systems that break from normal use — A/C, plumbing, washer, water heater.

DAD
So it’s like a safety plan?

KID
Exactly. You pay a small monthly fee, and when something breaks, the warranty company sends someone out. You just pay the service call.

MOM
But are they all the same?

KID
Nope. Always read the fine print. Some cover appliances, some don’t. Some have payout limits. Know before you buy.

DAD
You sound like our insurance agent.

KID
Nah. I charge less.
(Winks and rides off on a toy mower.)

END CARD: Finally Home – We’ll help you be a smarter homeowner.

Kitchen table covered in paperwork. Couple looks shocked. Kid slides in with a toy calculator.

ADULT 1
We owe how much in fees?!

KID
Welcome to closing costs — the final step before the keys.

ADULT 2
No one told us about this.

KID
They’re the behind-the-scenes costs: title insurance, escrow, appraisal, loan fees, even the credit report. Usually 2 to 5 percent of the home’s price.

ADULT 1
That adds up fast.

KID
That’s why smart buyers budget for it from the start — or ask the seller to cover part of it. Some programs even help with closing costs.

ADULT 2
So it’s not just the down payment we need to save for.

KID
Right. Think of it as the paperwork fee for your new life.

ADULT 1
Paperwork fee… that’s brutal.

KID
Homeownership isn’t cheap — but it’s worth it.
(Pretends to calculate dramatically.)

END CARD: Finally Home – Understand every step.

Front porch. Parents cheers-ing glasses to celebrate their first mortgage payment. Kid walks by sipping a juice box.

ADULT 1
Fixed-rate means our payment never changes, right?

KID
Sort of. Your rate stays the same, but your payment can still change.

ADULT 2
How?

KID
Because your total payment includes more than interest — it’s Principal, Interest, Taxes, and Insurance. The ‘PITI.’

ADULT 1
So the loan part is fixed, but taxes and insurance can change?

KID
Exactly. Counties raise taxes, insurance companies adjust rates — so your lender updates your payment once a year.

ADULT 2
Wow, no one told us that.

KID
Most people find out the hard way. Review your escrow statement every year so you know what’s changing.

ADULT 1
You’re way too calm about this.

KID
I’m not the one paying — I’m just a kid.
(Sips and walks away.)

END CARD: Finally Home – Know what’s behind your payment.