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Buyers market vs. Sellers market7/1/2022
Supply and demand, local trends and other economic indicators determine whether you’re in a buyer’s or a seller’s market. Here's what to look for.
ConsumerAffairs Research Team
What is nonrecourse debt?6/24/2022
Nonrecourse debt is backed by collateral. If you default the lender can seize the collateral but can't go after other assets. Here's how it works.
What is loan-to-value ratio?6/22/2022
When you apply for a loan, the lender weighs its risk by dividing the amount of the loan by the value of the asset. What’s this mean for a mortgage?
Best VA Loan Lenders6/15/2022
Interested in applying for a VA loan? Read our buyers guide, compare ratings and use consumer reviews to find the best VA loan lenders.
VA loan credit score requirements in 20226/14/2022
The VA doesn’t set a minimum credit score — but your mortgage lender might. Understand how your credit score affects your VA loan options.
VA Loan Limits for 20226/14/2022
Starting in 2020, the VA loan limit has been eliminated for most qualifying veterans. Read on for exceptions and to find out if you qualify.
Best Reverse Mortgage Lenders6/7/2022
Looking for the best reverse mortgage companies? Our top picks include FAR, AAG and Liberty Reverse, based on verified customer review data.
What is eminent domain?6/6/2022
Eminent domain is the power of a city, state or federal government to take ownership of your property for public use. Read about how it works.
What is Ginnie Mae?6/3/2022
Ginnie Mae is a government-owned company that makes it easier for lenders to give affordable home loans to underserved communities.
What is mortgage underwriting?6/3/2022
Mortgage underwriting is the process of reviewing a potential homebuyer’s finances. Read our guide to understand the process and timeline.
Warranty deed vs. quitclaim deed6/3/2022
Warranty deeds and quitclaim deeds are both deeds used to transfer ownership of property, but a warranty deed comes with certain legal guarantees.
What is mortgage recasting?6/2/2022
If you want to lower your monthly mortgage payment and save money on interest, a mortgage recast, or reamortization, may be right for you.
What is a bridge loan?6/1/2022
A bridge loan is a short-term loan that’s often used for real estate. Read more if you’re interested in this type of gap financing.
What is home equity?5/27/2022
If you know anything about mortgages, you’ve probably heard a lot of talk about building equity. Read more about what this means and its importance.
How much house can I afford?5/26/2022
In the market to purchase a home? Find out how much house you can afford using our mortgage calculator and comprehensive guide to mortgage payments.
What is a mortgage loan modification?5/20/2022
A mortgage loan modification is a change to the original terms of your home loan. Read about how it works, how to get one and more.
What is an FHA streamline refinance?5/20/2022
An FHA streamline loan is a simplified way to refinance. Learn more about the guidelines, pros and cons and more to see if it's right for you.
What does clear to close mean?5/20/2022
“Clear to close” means you have the lender’s approval to schedule a closing date. Learn more about how to get cleared to close and what happens after.
What does a mortgage loan originator do?5/20/2022
A mortgage loan originator is the entity that distributes your initial home loan funds. Learn more about an MLO’s function and fees.
Best Mortgage Lenders5/13/2022
Looking for the best mortgage lender? Our top picks include New American Funding, Cardinal Financial, AmeriSave and Rocket. Compare rates and reviews.
What is a defeasance clause?5/13/2022
A defeasance clause states that a borrower becomes the owner of the property once they’ve finished paying off a mortgage. What does it mean for you?
Is buying a house a good investment?5/10/2022
More than 1,100 Americans reflect on the various aspects of owning a home vs. renting. Read more to see what people think about the value of both.
ConsumerAffairs Research Team
What are seller concessions?5/6/2022
Seller concessions in a mortgage are incentives the seller uses to entice the buyer, like paying a portion of closing costs. Learn how they work.
Should you make biweekly mortgage payments?5/6/2022
Paying biweekly on your mortgage early on can shorten the repayment term on your home loan. Learn how this works and the pros and cons.
What is an assumable mortgage?5/4/2022
An assumable mortgage is one you can take over from the original borrower, keeping the rates and terms. Learn how it works, types and considerations.
What are mortgage-backed securities?5/2/2022
Mortgage-backed securities are investment bonds backed by home loans. Learn more about how they work, the types and considerations.
What is a guaranteed loan?4/29/2022
A guaranteed loan is a mortgage option for borrowers with poor or no credit history. Learn how they work, the types and considerations.
What is a down payment on a home?4/29/2022
A down payment is a cash payment you make upfront on a home in order to secure it and reduce your principal. Learn how it works and the pros and cons.
What is an HFA loan?4/29/2022
An HFA loan is designed for buyers with low to moderate incomes. Learn about how it works, the eligibility requirements and considerations.
Cash-out refinance vs. home equity loan4/29/2022
Cash out-refinance and home equity loans have some similarities, but there are several key differences, including how they work and requirements.
How much to offer on a house4/29/2022
Wondering if you should put in an offer over the list price? It may be necessary in a seller’s market, where the supply of available houses is low.
Does refinancing hurt your credit?4/29/2022
Wondering if refinancing affects your credit? It can reduce your score temporarily, but you should be OK as long as you pay on time.
Mortgage vs. deed of trust4/29/2022
The number of parties involved is one of the main differences between a mortgage and a deed of trust. Find out the other key differences.
First-time homebuyer benefits4/29/2022
Being a first-time homebuyer can provide you with a multitude of benefits, from loans and grants to down payment assistance programs and more.
Fastest-growing cities in the U.S.4/28/2022
Facts and statistics on the fastest-growing cities in the United States by population number growth and population percent growth.
What is "house poor"?4/28/2022
Do you feel like you spend too much on homeownership? You’re not alone. Check out homeowner perspectives on housing expenses and affordability.
ConsumerAffairs Research Team
How long does underwriting take?4/28/2022
Wondering how long underwriting takes? It can take from a few days to a couple of months — check out our timeline to understand what you can expect.
What is a no-doc mortgage?4/22/2022
A no-doc mortgage is a home loan that doesn’t require traditional income verification from the lender. Learn how it works and the pros and cons.
How much does it cost to refinance?4/15/2022
Closing costs on a refi typically range from 2% to 6% of the purchase price. Use our guide to calculate your costs and learn about the fees.
FHA loans vs. USDA loans: 6 key differences4/15/2022
Eligibility requirements are the main distinction between FHA loans and USDA loans. Find out more about the key differences between these loan types.
When is the best time to buy a house?4/14/2022
Wondering what the best time of year to buy a house is? Use our guide to learn more about the process and seasonal considerations.
How to buy a new-construction home4/14/2022
From finding a lender and getting preapproved to designing the home of your dreams, learn how to buy a new-construction home in five simple steps.
How to refinance a mortgage4/14/2022
Refinancing your mortgage is a way to lower your payments or cash in on the home equity you’ve built up. Here’s how to refinance in eight steps.
How to get preapproved for a mortgage4/14/2022
Getting preapproved for a mortgage is a first step toward homeownership and shows sellers you’re serious. We break the process down step by step.
How to choose a mortgage lender4/14/2022
Steps to choose a lender, according to a loan officer: Consider mortgage options, get pre-qualified, compare offers and ask the right questions.
How to buy a house with bad credit4/6/2022
Looking to buy a home with a bad credit loan? Read our guide to learn about mortgage options and find out which one is best for you.
How to buy a house that’s for sale by owner4/6/2022
Interested in buying a FSBO house? From preapproval to closing, we’ve got tips on how to buy a home for sale by owner in five simple steps.
How to buy a house4/5/2022
Looking to buy a house this year? ConsumerAffairs has 12 steps to help you land your dream home in 2021. See our guide for more information.
How to buy a condo4/5/2022
Buying a condo is different from buying a house. From co-ops to home loans, we’re breaking down everything you need to know about buying a condo.
What is an appraisal waiver?4/1/2022
An appraisal waiver can save a homebuyer time and money. Learn how skipping out on the appraisal works and what to consider if you waive it.
What is a VA Loan?4/1/2022
VA loans are 0%-down mortgages for military members. Read our guide to learn how they work, pros, cons and how they compare with other home loans.
What is a title search?4/1/2022
A title search is a thorough review of documents related to a property’s ownership. Read our guide to see how it fits in the homebuying process.
What is a USDA loan, and am I eligible?4/1/2022
How do USDA loan programs work? Read about USDA’s eligibility requirements and compare the pros and cons of USDA loans before you apply.
What is a wraparound mortgage?4/1/2022
A wraparound mortgage is an alternative form of home financing that can help buyers with poor credit. Learn how it works and what to consider.
What is amortization?4/1/2022
Mortgage amortization offers a payoff option with predictable, fixed monthly payments. Read about how it works and the pros and cons.
What is a conditional loan approval?4/1/2022
Conditional approval means you’re likely to be approved for a loan, as long as you meet certain criteria. Learn about how it works and the benefits.
What is an appraisal contingency?4/1/2022
An appraisal contingency protects a homebuyer if the house is worth less than expected. Learn how it works and read about other common contingencies.
What is a jumbo loan and am I eligible?4/1/2022
Jumbo loans are mortgages that exceed the conforming loan limit. Learn how jumbo loans work, if your eligible and how they compare to other loans.
What is an FHA loan?4/1/2022
Loans backed by the federal housing administration can be easier to qualify for. What they are, how they work and the pros + cons of FHA loans.
What is a subprime mortgage?4/1/2022
Subprime mortgages help those with lower credit scores purchase a home, but they have higher rates. Learn how they work and the different types.
What is earnest money?4/1/2022
Earnest money, also called a “good-faith deposit,” is an upfront payment the buyer puts down before closing. It shows they’re serious about an offer.
What is a piggyback loan?4/1/2022
A piggyback loan is a small home equity loan you can take out alongside your mortgage. Learn how it works, the types available and what to consider.
What is a Closing Disclosure?4/1/2022
A Closing Disclosure is a document that outlines the finalized terms of your mortgage. Read our guide to see where it falls in the homebuying process.
What is a reverse mortgage, and how does it work?4/1/2022
A reverse mortgage can help you tap into your home’s equity, but is it worth it? Find out how it works and see the pros and cons with ConsumerAffairs.
What is a balloon mortgage?4/1/2022
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What is equal-opportunity housing?4/1/2022
Equal-opportunity housing means everyone has equal opportunity to be considered when buying or renting property. Read our guide to learn more.
What is a promissory note?4/1/2022
A promissory note is a document showing a borrower’s promise to repay a loan. Learn the differences between a mortgage and this type of document.
What does caveat emptor mean?4/1/2022
Caveat emptor is a Latin phrase meaning “let the buyer beware.” Learn what it has to do with a mortgage and what to look out for as you buy a home.
What is mortgage forbearance?4/1/2022
Forbearance is an option to consider if you need mortgage relief. Read more about how this payment pause works and the pros and cons.
What does a real estate attorney do?4/1/2022
A real estate attorney can help homebuyers through the closing process to make sure they understand the terms. Read more to find out if you need one.
What are real estate comps?4/1/2022
Real estate comps are recently sold homes that are comparable to a home on the market. Learn how they’re used and how to find them.
What are interest-only mortgages and how do they work?4/1/2022
Interest-only mortgages are nonconforming loans that let the borrower pay only on interest for a few years. Learn how they work and the pros and cons.
What are closing costs?4/1/2022
Closing costs are lender processing, property and other fees paid to the lender when you close on a home. Learn how they work and how much they are.
What is a mortgage lien?4/1/2022
A mortgage lien is a creditor’s legal claim on a property. Learn about voluntary and involuntary mortgage liens and how they work.
Should you pay off your mortgage early?4/1/2022
Paying off your mortgage early can save you money on your loan. Learn how this process works and the pros and cons of early repayment.
What is preforeclosure?4/1/2022
Preforeclosure typically happens once a borrower misses three mortgage payments. Learn how it works, what it means for you and how to avoid it.
Renting vs. buying a house4/1/2022
Is it better to rent or buy a home? We compare the pros and cons of each to help you determine if buying or renting is best for you.
What is a land loan?4/1/2022
A land loan is used to purchase property you plan to build a home on. Learn about how they work, the types available and what to consider.
What is title insurance?4/1/2022
Title insurance protects homebuyers and lenders from issues that arise in the transfer of property titles. Learn how it works and the different types.
What is a home equity loan, and how does it work?4/1/2022
Are home equity loans a good idea? Learn how home equity loans work, the benefits and disadvantages, home equity loans vs line of credit...
Mortgagor vs. mortgagee4/1/2022
In the homebuying process, the mortgagee is the lender and the mortgagor is the borrower. Learn the duties and responsibilities of each.
Mortgage pre-qualification vs. preapproval4/1/2022
Wondering about the differences between mortgage pre-qualification and preapproval? Use our guide to understand how each process works.
Is mortgage interest deductible?4/1/2022
Looking for a lower tax payment? If you’re paying interest on a home loan, learn more here about mortgage interest deductions and how they work.
How to qualify for a mortgage4/1/2022
Thinking about buying a house? Read our guide to learn what affects mortgage qualification and how to increase your chances of approval.
How to get rid of PMI4/1/2022
Wondering how to get rid of PMI on your mortgage? Check out our timeline to understand what you can expect and when you can first request PMI removal.
How often can you refinance your home?4/1/2022
Looking to refinance your home but not sure how often it’s possible? Learn about refinance waiting periods and more with ConsumerAffairs.
How long does it take to buy a house?4/1/2022
Wondering how long the homebuying process is? It often takes between 30 and 60 days. Check out our timeline to understand what you can expect.
Home inspection checklist4/1/2022
Curious about what you should know when getting a home inspection? Use our checklist to make sure you don't miss anything in the process.
Home equity loan requirements4/1/2022
Thinking about applying for a home equity loan? Find out if you have the credit history, loan-to-value ratio and debt-to-income ratio to qualify.
Buying a condo vs. a house4/1/2022
Is it better to buy a condo or a house? We compare the pros and cons of each option to help you determine which one is best for you.
20-year vs. 30-year mortgage: Which is best for you?4/1/2022
Not sure whether to get a 20-year or 30-year mortgage? Use our guide to understand the pros and cons of both mortgage term lengths.
How to sell and buy a house at the same time4/1/2022
Should you buy or sell first? What’s a contingent offer? Get these answers and more in our guide to buying and selling at the same time.
Rosemary Avance, Ph.D.
How does a mortgage work?3/30/2022
Read our guide to learn about how a mortgage works, what’s involved in the homebuying process and basic mortgage terms you should know.
Best online mortgage lenders3/24/2022
Looking for an online mortgage lender? Check out our top picks to compare requirements and customer satisfaction. Find the best lender today.
Best mortgage lenders for first-time buyers3/24/2022
Buying your first home? Check out Rocket, Better, New American Funding and more of our top lender picks. Plus, get answers to mortgage questions.
Best Mortgage Refinance Companies3/18/2022
Want to refinance your mortgage? Compare our top 9 picks for 2021 based on verified reviews. Learn how to find the best mortgage refinance company for you.
From setting a budget to closing, use our checklist to make buying a home a breeze. Learn more about the steps you should take when house-hunting.
Pros and cons of an FHA Loan3/6/2022
Buying a house and need a mortgage? Learn about the pros and cons of an FHA loan to decide if it’s the right type of mortgage for you.
Best Home Equity Loans3/4/2022
Need a home equity loan? Use our guide to find the best home equity loan lenders, compare loan requirements and fees and read verified customer reviews.
ARM vs. fixed-rate mortgages3/2/2022
It’s important to know the differences between ARMs and fixed-rate mortgages so you choose the right loan for you. Each has benefits and drawbacks.
How to get a mortgage3/2/2022
Want to buy a house? Here’s everything you need to know about getting a mortgage, from the preapproval process to the closing details.
What credit score is needed to buy a house?3/2/2022
A score in the mid-700s gets better rates, but you can get approved at as low as 500. Learn more about how credit scores affect mortgage rates.
Current 15-year mortgage rates3/2/2022
Check out the current rates for 15-year mortgages. Depending on your situation, loan type and lender, your home loan rates may differ.
Mortgage lender vs. bank3/2/2022
Both mortgage lenders and banks can lend money for a home, but lenders usually offer more options, and banks often have stricter credit requirements.
15-year vs. 30-year mortgage3/2/2022
A 15-year mortgage is a good alternative to a 30-year mortgage if you want to pay your home loan off faster. Learn more with ConsumerAffairs.
How are mortgage rates determined?3/2/2022
Wondering what determines mortgage interest rates? Check out our guide to learn how market factors and personal finances influence your rate.
What is the average down payment on a house?3/2/2022
The median down payment on a house is around 12% and increases with buyer age. Read our breakdown and find out minimum down payments by loan type.
How to get down payment assistance3/2/2022
Get help with your down payment with a down payment assistance program. Learn more about what they are, how they work and how to apply.
Mortgage broker vs. lender3/2/2022
A mortgage broker is an intermediary who can help you choose the best loan for you. Should you work with a broker or a direct lender?
Conventional mortgage vs. FHA3/2/2022
Conventional and FHA loans are two common types of mortgages for homebuyers. Learn more about the differences between these loans on ConsumerAffairs.
What is a condo mortgage, and how does it work?3/2/2022
Getting a condo mortgage requires additional steps in underwriting, and some loan programs have specific rules. Read more about condo mortgages here.
What is a fixed-rate mortgage?3/2/2022
A fixed-rate mortgage’s interest rate will never change. This certainty is popular among borrowers — see if it’s the right option for you.
Best bad credit home loans3/1/2022
Homeownership isn’t out of reach! Compare lenders and read our guide on how to buy a house when your credit score is less than perfect.
Current 10-year mortgage rates3/1/2022
The current 10-year mortgage rates listed here depend on elements like your credit score and the type of property you want to buy.
How to save money for a house2/28/2022
Looking to buy a home but not sure where to start with a down payment? Read our guide for tips and advice to help save for a house.
What is a blanket mortgage?2/25/2022
A blanket mortgage is a type of financing that can help you efficiently procure a loan for multiple properties. Learn about these loans here.
What is a conventional mortgage?2/25/2022
A conventional mortgage is a loan that’s not backed by the government. These loans have more flexibility but stricter qualifying requirements.
What is PITI?2/24/2022
PITI stands for principal, interest taxes and insurance. Learn how these four little letters make a big impact in your monthly mortgage payment.
Refinance rates today2/17/2022
Is it a good time to refinance? Compare current refinance rates and learn more about how refinance rates work to decide if you’re ready.
Current mortgage rates2/17/2022
Check and compare current mortgage rates and get the lowdown on terms and loan types. Plus, find answers to your mortgage questions.
Current VA mortgage rates2/17/2022
VA rates are typically lower than conventional loan rates. See today’s rates and learn how to get the best mortgage rates from lenders.
What is a mortgage broker?2/8/2022
Mortgage brokers act as an intermediary between homebuyers and lenders. You can also choose to work directly with a lender. But which is best?
VA loan requirements2/4/2022
VA loans help veterans and active-duty service members purchase homes with 0% down. Find out if you qualify and start the homebuying process today.
FHA loan requirements2/4/2022
Considering an FHA mortgage loan? See if you qualify by reviewing the FHA loan requirements for down payment, loan limits, credit score and...
What is a mortgage?2/3/2022
A mortgage is the type of loan you need to purchase or refinance a house. Learn important mortgage terminology and what to expect from the process.
How to get a VA Certificate of Eligibility2/3/2022
Ready to apply for a VA home loan? Here’s what you need to do to get a Certificate of Eligibility from the Department of Veterans Affairs.
How to refinance a VA loan2/3/2022
Can you refinance a VA loan? Yes! Learn how to get cash out or reduce interest rates with an IRRRL. Plus, eligibility requirements and costs.
What to expect from a home inspection1/27/2022
A home inspection is part of the mortgage process. Learn about average costs, what home inspectors look for and how to read a home inspection report.
10 VA loan benefits1/27/2022
Thinking about getting a mortgage through the U.S. Department of Veterans Affairs? Explore VA home loan benefits to find out if it’s really worth it.
What is a second mortgage and how do you qualify for one?1/27/2022
A second mortgage is a loan taken out against the equity in your home. Learn more about how they work and how you qualify for one.
What is a warranty deed?1/27/2022
A warranty deed is a legal document between the seller and buyer of a home. Learn more about types of warranty deeds and how they work.
What is owner financing and how does it work?1/27/2022
With owner financing, a buyer finances the purchase of a home directly with the home’s seller. Learn more about how it works and if it’s a good idea.
How much are closing costs?1/27/2022
Average closing costs range from 2% to 5% of the loan amount. Use our guide to calculate closing costs and learn about closing fees.
First-time homebuyer loans and programs1/27/2022
You can qualify for first-time homebuyer benefits even if you’ve owned a home before. Read the full list of qualifications and homebuyer programs.
How soon can you refinance a mortgage?1/27/2022
When you can refinance depends on the mortgage type. Learn about timelines for refinancing FHA, VA, USDA, jumbo and conventional home loans.
Cash-out refinance: how it works + pros and cons1/27/2022
There are many reasons to consider tapping into home equity through a cash-out refinance. Weigh the pros and cons to decide if it’s right for you.
Can you refinance a reverse mortgage?1/26/2022
Yes, you can refinance a reverse mortgage. Read about reverse mortgage refinance benefits to find out if it’s right for you on ConsumerAffairs.
Reverse mortgage scams1/26/2022
Learn about four types of reverse mortgage scams and how to avoid them with ConsumerAffairs. Plus, find out where you can get legitimate information.
What is an origination fee?1/26/2022
Planning to buy a house? Learn what an origination fee on a mortgage is and how much it costs. Plus, find out about other closing expenses.
How do construction loans work?1/26/2022
A construction loan can help you pay to build a new house or renovate an existing one. Read more about how they work and how to get one.
Best Jumbo Loan Lenders1/24/2022
Compare the best jumbo loan lenders to get the lowest rate. Learn about jumbo loan down payment options, interest rates, PMI and more. Top picks include ClearPath, Cardinal Financial and AmeriSave.
How do you pay back a reverse mortgage?1/21/2022
There are several ways to pay back a reverse mortgage. While selling the home is fairly common, you also have other options to explore.
What is an energy-efficient mortgage?1/21/2022
An energy-efficient mortgage can help you pay for a home that’s already eco-friendly or finance new green improvements. Learn about programs here.
Types of mortgage loans1/21/2022
Which mortgage is right for you? Learn about the different types of home loans and how to choose a mortgage that will fit your needs.
FHA vs. VA loans1/21/2022
Should you take advantage of your VA benefit, or is the FHA home loan a better deal? Compare the two mortgage options side by side to decide.
What are mortgage points?1/21/2022
Mortgage points are fees paid to a lender to reduce the interest rate you pay on your home loan. But how much do they cost, and are they worth it?
How much should you put down on a house?1/21/2022
You may have heard that 20% is the ideal down payment amount, but that’s not always true. Here’s how down payments work and how much you should pay.
What does a title company do?1/21/2022
A title company confirms that a person has the legal right to sell a property. Learn what title companies do and how to choose one.
What is escrow?1/21/2022
Escrow is a deed, bond, asset or amount of money that’s held by a third party. Learn about when you need an escrow account and how it works.
Types of mortgage rates1/20/2022
Want to understand the types of mortgage rates available? Find more about mortgage rate types and discover important things you should know.
How to buy a house with no money down1/20/2022
No-down-payment mortgages can be an appealing path to homeownership. Read the pros and cons, how to qualify and if they’re worth it.
Government home loans: What are they and should you get one?1/20/2022
Government-backed loans can make it easier to qualify for a mortgage and buy a home. Compare your options and see which is right for you.
How a no-closing-cost refinance works1/20/2022
No-closing cost refinances are available, but are they worth it? Read our guide to no-cost refinances to decide which refinance is right for you.
What is a good debt-to-income ratio for a mortgage?1/20/2022
Debt-to-income ratio is the portion of your income that goes toward paying debts. DTI affects how much house you can afford. Learn how to calculate.
What is a home appraisal and how do they work?1/20/2022
Home appraisals determine the value of a property and are used in homebuying and refinancing. Learn more about what you can expect from an appraisal.
What is an adjustable-rate mortgage and how do they work?1/20/2022
Adjustable-rate mortgages come with variable interest rates that tend to start low but change over time. How do they work, and when are they worth it?
Mortgage APR vs. interest rate1/20/2022
Your home loan APR includes more than just an interest rate. Learn more about mortgage rates and how to compare rates and lenders.
What is mortgage insurance?1/20/2022
Mortgage insurance protects lenders from losing money if a borrower defaults on a home loan. Learn when PMI is required and how much it costs.
6 reverse mortgage alternatives (2021)1/19/2022
Are you considering a reverse mortgage? Explore your options, such as renting the property or getting a HELOC, before making a decision.
Reverse mortgage vs. home equity loan vs. HELOC1/19/2022
If you are looking to turn your home equity into cash you can use, consider whether a reverse mortgage, HELOC or home equity loan is right for you.
What is the VA funding fee?1/19/2022
The VA funding fee is between 1.4% and 3.6% of the total loan. The amount is calculated based on loan type, down payment and other factors.
How much are VA loan closing costs?1/19/2022
VA loan closing costs are typically 3% to 5% of the mortgage amount. Learn about appraisal fees, origination charges and other expenses.
Advantages of a VA Loan Down payment1/19/2022
VA loans don’t require a down payment, but making one can save on interest. We break down the pros and cons to help you decide to pay or save.
How to consolidate debt with mortgage refinance1/19/2022
With a cash-out refinance, you use home equity to pay off other debts — but should you? We look at pros, cons and the true cost of refinancing.
Tax deductions for homeowners1/12/2022
Whether you're buying your first home or you’ve owned for years, there are quite a few deductible expenses, from mortgage interest to property taxes.
Proprietary reverse mortgage1/11/2022
A proprietary reverse mortgage is a type of loan that gives seniors access to higher amounts of their home equity. Learn more about how it works.
Best FHA Loan Lenders12/28/2021
Need an FHA loan? Learn how to apply for an FHA loan. Compare the best FHA loan lenders. Top picks include AmeriSave, Homebridge and JG Wentworth.
Kate Williams, Ph.D.
Best USDA Lenders12/22/2021
Our picks for the top USDA lenders are Caliber Home Loans, New American Funding and AmeriSave Mortgage. Compare reviews and features to learn why.
Reverse mortgage requirements11/8/2021
What are the requirements for a reverse mortgage? Learn about age limits, ownership criteria and mandatory financial counseling with ConsumerAffairs.
Best Mortgage Lenders in Dallas, TX9/30/2021
In the market for a new home? Be sure to check out our guide on the best Dallas mortgage lending companies to help you decide the right company.
Best Mortgage Lenders in San Antonio, TX9/30/2021
Looking for a home loan? Read our guide to see a list of the best San Antonio mortgage loan companies. Compare and find the right one for your location.
Best Mortgage Lenders in Houston, TX9/30/2021
Wanting to secure your dream home? Check out our guide to find the best Houston mortgage companies to compare trends, rates and more.
Best Mortgage Lenders in Tulsa, OK9/30/2021
Looking for a new home? Read our guide on the best Tulsa mortgage companies. Compare trends, rates and more to find the right company.
Best Mortgage Lenders in Las Vegas, NV9/30/2021
Looking to secure your dream home? Read our guide on the best Las Vegas mortgage companies to compare rates, location trends and more.
Best Mortgage Lenders in Pittsburgh, PA9/30/2021
Ready to be a homeowner in Pittsburgh? Check out our guide to see the best mortgage companies and learn what's required, trends and more.
Best Mortgage Lenders in Los Angeles, CA9/30/2021
Wanting to buy your dream home? Use our guide on the best Los Angeles mortgage companies to compare options and learn what type of loan is best for you.
Best Mortgage Lenders in Austin, TX9/30/2021
Looking to buy a new home? We compiled a list of the best Austin mortgage lenders. Compare what loans are offered, rates and more.
Best Mortgage Lenders in Chicago, IL9/30/2021
Looking to purchase a home? Read our guide to find the best Chicago mortgage companies. Compare types of home loans, rates and more.
Best Mortgage Lenders in Cincinnati, OH9/30/2021
Wanting to purchase a new home? We compiled a list of the best Cincinnati mortgage lenders to help you compare loans and learn the requirements to apply.
Best Mortgage Lenders in Milwaukee, WI9/30/2021
Looking to purchase a home and need a mortgage? Use our list of the best Milwaukee mortgage companies to help you take your first step.
Best Mortgage Lenders in Denver, CO9/30/2021
Buying a home is a big investment. Use our guide to find the best Denver mortgage lenders. Compare housing trends, loan types and more.
Best Mortgage Lenders in Indianapolis, IN9/30/2021
Wanting to buy a new home? Read our guide to find the best Indianapolis mortgage companies. Compare loans offered, services and more.
Best Mortgage Lenders in Sacramento, CA9/30/2021
Looking to buy a house? Check out our guide to find the best Sacramento mortgage lenders. Learn about rates, trends and how to choose a company.
Best Mortgage Lenders in Atlanta, GA9/30/2021
Looking for a way to secure your new home? Read our guide to find the best Atlanta mortgage companies. Compare loan types, learn requirements and trends.
Best Mortgage Lenders in Kansas City9/30/2021
Want to buy a house? Compare your options using our guide on the best Kansas City mortgage lenders. Learn the trends and requirements to be prepared.
Best Mortgage Lenders in Portland, OR9/30/2021
Looking to buy a new home? We created a guide of the best Portland mortgage companies. Compare home loan types and learn trends and requirements.
Best Mortgage Lenders in Orlando, FL9/30/2021
Trying to buy a house? Read this guide to find the best Orlando mortgage lenders and learn the trends to take advantage of the market.
Best Mortgage Lenders in Albuquerque, NM9/30/2021
Buying a new home? Be sure to check out our guide to find the best Albuquerque mortgage lenders. Compare loan types, trends and requirements.
Mortgage Local Recommendations
Mortgage lenders in your city can help you with the ins and outs of the local market. We looked at our favorite companies across the U.S. to help you find a mortgage lender near you.