Everybody wants a low rate on their mortgage, but not many understand all the things that go into determining your rate. For many home buyers, these factors can be confusing and difficult to determine. Knowing what affects your rate can help you secure a better deal.

Jason Kimmel is the co-founder and owner of Peppercini’s, a staple of Alaska dining since he launched its first sandwich shop nearly 15 years ago. From day one, Jason has been working to make Peppercini’s a company dedicated to giving back to the community. He and his team are not only frequent partners in Nuvision’s outreach programs—like the NuvisionCares program that provided meals to frontline healthcare workers–but they also constantly provide donations to other local organizations. To thank Jason for his dedication to the Alaska community, we’re recognizing him as this month’s Nuvision hero.

With this year’s Added Advantage Holiday Giveaway starting in just a few weeks, now is your chance to make this season the best one ever. Starting Monday, November 8th enter for your chance to become our next grand prize winner and earn up to $6,000!

In four weeks, we’ll be gathering around the dinner table for a Thanksgiving meal with loved ones we haven’t seen all year, putting up decorations, and stopping by friends’ houses for holiday parties. Seven weeks will also mark the start of the slowest season in the housing market: The Holiday Market, a time when inventory and demand decrease.