What the Fed’s Rate Cutting Plans Mean for the Housing Market
Fed Cuts Rates by Half a Point; Mortgage Rates May Fall Below 6%
ITIN Loan: How to Get a Mortgage Without a Social Security Number
The interest rate and required down payment are typically higher for an ITIN loan than for many other mortgages.
What Not to Do During Mortgage Preapproval
You could hurt your home loan application by taking on new debts, changing jobs or otherwise calling your financial stability into question.
How to Read a Mortgage Loan Estimate
The Loan Estimate boils down the terms and projected costs of a mortgage and serves as a key tool to compare lenders and negotiate better offers.
How to Read a Mortgage Closing Disclosure
The Closing Disclosure gives the final terms and costs of a mortgage as you near the financing finish line.
Conforming Loan Limits 2026
The Federal Housing Finance Agency (FHFA) will increase loan limits by 3.26%.
2022 Mortgage Applicants Sought Larger Loans, Faced Deeper Debt
When To Refinance Your Mortgage — and When Not To
It’s not just about chasing a lower rate. Here’s how to tell if refinancing actually makes sense for you right now.
ARM vs. Fixed-Rate Mortgage: Differences and How to Choose
ARM rates start low, and payments can go up or down over time. Fixed rates are stable for the life of the loan.
How Much Does It Cost To Refinance a Mortgage?
Most refinances cost 2% to 6% of the new loan amount — and even a “no closing costs” refinance doesn’t come free.
How to Make a Cash Offer With a Mortgage
Cash-offer financing programs give buyers who need mortgages the ability to make cash offers on homes.
What Are Non-QM Loans?
For creditworthy borrowers who don’t meet traditional lending requirements, a non-QM loan can provide a (more expensive) path to homeownership.
What Is an Energy-Efficient Mortgage?
These niche loans help you buy an energy-efficient home or finance energy-saving upgrades.
Mortgage Rate Buydowns: How They Help Buyers Afford Homes and Sellers Attract Offers
A “temporary buydown" is a strategy some sellers, builders and lenders use to reduce a buyer’s monthly mortgage payments during the first few years of the loan term, helping make the purchase more affordable.
How High-Priced Homes Changed the Mortgage Game in 2021
What Is a 10-Year Adjustable-Rate Mortgage?
A 10-year ARM has an introductory interest rate for the first 10 years. The rate adjusts every six months afterward.
What Is a 5-Year Adjustable-Rate Mortgage?
A 5-year ARM has an introductory interest rate for five years. After that, the rate changes every six months.
10 Mortgage Lenders Serving Black Communities
Black-led lenders make more home loans to Black borrowers — and they can be a good fit for allies, too.
Mortgage Points: Should You Pay These Optional Fees?
Mortgage points, also known as discount points, are fees you pay to reduce the mortgage interest rate and monthly payment.
