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Mortgage Article Library

Learn the mortgage process, rates, credit scores and loan programs that may apply to you. Happy reading, easy choosing!

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

How I Saved Thousands Negotiating My Mortgage Terms

How I Saved Thousands Negotiating My Mortgage Terms

How I Saved Thousands Negotiating My Mortgage Terms

Mar. 30, 2020
Buying a house is an exciting time, but it isn’t a stress-free process. Part of the process is getting approved for a mortgage to help pay for the ...
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How Much Will the Fed’s Near-Zero Rates Actually Help Borrowers?

How Much Will the Fed’s Near-Zero Rates Actually Help Borrowers?

How Much Will the Fed’s Near-Zero Rates Actually Hel...

Mar. 24, 2020
Here is proof that even the darkest clouds have a silver lining. As humanity faces its greatest challenge this century, one small upshot is that bo...
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Purchase, Refinance, or Sit Out: How the Fed’s Rate Cut Will Affect Mortgage Costs

Purchase, Refinance, or Sit Out: How the Fed’s Rate Cut Will Affect Mortgage Costs

Purchase, Refinance, or Sit Out: How the Fed’s Rate ...

Mar. 10, 2020
Mortgage rates hit all-time lows after the Federal Reserve dramatically slashed the benchmark interest rate last week. What’s more, rates will prob...
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How to Take Advantage of Falling Mortgage Rates

How to Take Advantage of Falling Mortgage Rates

How to Take Advantage of Falling Mortgage Rates

Mar. 10, 2020
For millions of Americans, buying a home or refinancing an existing mortgage is about to get easier. Here's some background about the current mortg...
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Know Your Rights: Prevent Mortgage Discrimination

Know Your Rights: Prevent Mortgage Discrimination

Know Your Rights: Prevent Mortgage Discrimination

Feb. 27, 2020
The dream of buying a house is one that many can relate to. For many of us, saving the money for a down payment can seem like the most difficult pa...
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How Can I Get A Mortgage When I’m Self-Employed?

How Can I Get A Mortgage When I’m Self-Employed?

How Can I Get A Mortgage When I’m Self-Employed?

Feb. 27, 2020
More and more people in the US self-employed, whether freelancers, entrepreneurs, or small business owners. The advantages of being self-employed a...
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Should You Tap into Your Home Equity to Help Your Kids Buy A Home?

Should You Tap into Your Home Equity to Help Your Kids Buy A Home?

Should You Tap into Your Home Equity to Help Your Ki...

Feb. 27, 2020
Thanks to secondary loans like home equity loans, you can use your home equity to help your kids buy into the property market.
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What Kind of Home Should I Buy?

What Kind of Home Should I Buy?

What Kind of Home Should I Buy?

Feb. 27, 2020
Buying a house isn’t only the biggest financial decision most people make - it’s also the most personal. There is no one-size-fits-all house, espec...
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To Rent or Buy: How Do I Know?

To Rent or Buy: How Do I Know?

To Rent or Buy: How Do I Know?

Feb. 27, 2020
Almost everybody will face the question at some stage in their lives of whether to rent or buy a property. We all need somewhere to live, and while...
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The Mortgage Hack That Can Save You Tens of Thousands of Dollars

The Mortgage Hack That Can Save You Tens of Thousands of Dollars

The Mortgage Hack That Can Save You Tens of Thousand...

Feb. 27, 2020
When it comes to mortgages, lenders generally let you choose the repayment term but not the frequency of payments. Most mortgage lenders offer a ch...
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What to Consider as Rates Rise in {Year}

What to Consider as Rates Rise in 2020

What to Consider as Rates Rise in 2020

Feb. 27, 2020
In its final decision for 2018, the Federal Reserve raised its benchmark interest rate from 2.25% to 2.50% but lowered its forecast for 2019 from 3...
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How to Get the Best Mortgage Rates

How to Get the Best Mortgage Rates

How to Get the Best Mortgage Rates

Feb. 27, 2020
Mortgage rates are little numbers that are a big deal for anyone looking to purchase or refinance a home. Interest rates are a percentage of the ov...
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Should You Pay Off Your Mortgage Early?

Should You Pay Off Your Mortgage Early?

Should You Pay Off Your Mortgage Early?

Feb. 27, 2020
If you have a) a mortgage and b) some spare cash, it might be tempting to use the cash to pay off your mortgage early. After all, who wouldn’t want...
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What is a Reverse Mortgage: the What, How and Who

What is a Reverse Mortgage: the What, How and Who

What is a Reverse Mortgage: the What, How and Who

Feb. 27, 2020
If you’re retired or semi-retired, own your own home, and are looking for extra income to fund a home renovation, medical costs, or other significa...
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LendingTree's Home Valuation Tool

LendingTree's Home Valuation Tool

LendingTree's Home Valuation Tool

Feb. 27, 2020
LendingTree’s Home Valuation Tool helps you make an informed decision for when it’s a good time to sell, or hold onto, you home. Learn about your h...
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How to Get a Home Loan When You Have Bad Credit

How to Get a Home Loan When You Have Bad Credit

How to Get a Home Loan When You Have Bad Credit

Feb. 27, 2020
Bad credit may seem like it stands between you and a new home purchase. Fortunately, there are ways to get a mortgage even with bad credit.
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Questions to Ask Your Mortgage Lender

Questions to Ask Your Mortgage Lender

Questions to Ask Your Mortgage Lender

Feb. 27, 2020
You’ve narrowed your search down to a short list of lenders, or perhaps you’ve even been pre-qualified for a mortgage. The next part is beginning y...
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Understand Your VA Home Loan

Understand Your VA Home Loan

Understand Your VA Home Loan

Feb. 27, 2020
If you are an armed forces veteran and are planning to apply for a mortgage on a new home or refinance an existing loan, you might be eligible to s...
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6 Ways to Get a Mortgage When You Have Student Loan Debt

6 Ways to Get a Mortgage When You Have Student Loan Debt

6 Ways to Get a Mortgage When You Have Student Loan ...

Feb. 27, 2020
Many millennials dream of buying their own home, but feel held back by their student loan debt. Although student loan debt is a burden, it doesn’t ...
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The Ultimate First-Time Home Buyer Guide

The Ultimate First-Time Home Buyer Guide

The Ultimate First-Time Home Buyer Guide

Feb. 27, 2020
Buying a home for the first time can involve a lot of unfamiliar numbers and terms. Here’s what you need to know about payments, parts of a mortgag...
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Best Lenders for Home Equity Loans

Best Lenders for Home Equity Loans

Best Lenders for Home Equity Loans

Feb. 27, 2020
If you own a property, the value of that property minus the outstanding mortgage is known as equity. With a home equity loan (HEL), you put that eq...
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The Best 5 Mortgage Lenders

The Best 5 Mortgage Lenders

The Best 5 Mortgage Lenders

Feb. 27, 2020
The American mortgage industry is competitive, with around 12,000 institutions offering home loans at last count. With so much choice, it can be ha...
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Best Mortgage Refinance Companies of {year}

Best Mortgage Refinance Companies of 2020

Best Mortgage Refinance Companies of 2020

Feb. 27, 2020
If you’ve been paying a mortgage for some time now and would like to get more favorable loan terms, then you may want to consider refinancing your ...
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Guide to Helping Your Kids Buy Their First Home

Guide to Helping Your Kids Buy Their First Home

Guide to Helping Your Kids Buy Their First Home

Feb. 27, 2020
Many parents dream of helping their kids get into property, and thankfully there are several loan options available to help achieve that. Learn abo...
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Home Equity Loans vs. Parent PLUS Loans

Home Equity Loans vs. Parent PLUS Loans

Home Equity Loans vs. Parent PLUS Loans

Feb. 27, 2020
HELs and PLUS loans are just 2 of the ways parents can borrow the money needed to put their children through college. Compare the pros and cons and...
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Best Mortgage Lenders for the Self-Employed

Best Mortgage Lenders for the Self-Employed

Best Mortgage Lenders for the Self-Employed

Feb. 27, 2020
About 10% of Americans are self-employed as small business owners, entrepreneurs, or freelancers. You probably know about the many advantages of be...
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Mortgage Rates Drop to Lowest in Over a Year

Mortgage Rates Drop to Lowest in Over a Year

Mortgage Rates Drop to Lowest in Over a Year

Feb. 27, 2020
US home prices have risen 7% in the past year, yet it’s cheaper to buy now than at certain points in the last 12 months. How could this possibly be...
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Best Mortgage Lenders for Bad Credit

Best Mortgage Lenders for Bad Credit

Best Mortgage Lenders for Bad Credit

Feb. 27, 2020
While it used to be difficult to get a loan when you had poor or fair credit, lenders today are more open to the idea of approving loans for people...
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The Complete Guide to Cash-Out Refinance

The Complete Guide to Cash-Out Refinance

The Complete Guide to Cash-Out Refinance

Feb. 26, 2020
If you’re a homeowner, one way to convert some of that equity into actual cash is with a cash-out refinance.
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Best FHA Loan Lenders of {year}

Best FHA Loan Lenders of 2020

Best FHA Loan Lenders of 2020

Feb. 26, 2020
FHA mortgage loans are an attractive option for first-time homebuyers. If you’re looking for your first home and don’t have 20% of the home purcha...
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Best Low or No Down Payment Mortgage Lenders

Best Low or No Down Payment Mortgage Lenders

Best Low or No Down Payment Mortgage Lenders

Feb. 26, 2020
You’ve are ready to buy a home, but how do you get moving in the right direction when you don’t have the funds to put together a down payment? You’...
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Best Mortgage Lenders for First-Time Buyers

Best Mortgage Lenders for First-Time Buyers

Best Mortgage Lenders for First-Time Buyers

Feb. 26, 2020
If you’ve decided it's time for a first-time home buyer mortgage and you fit the Department of Housing and Urban Development’s (HUD) definition of ...
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Need a Second Mortgage? Compare the Best Lenders

Need a Second Mortgage? Compare the Best Lenders

Need a Second Mortgage? Compare the Best Lenders

Feb. 26, 2020
Own a home and in need of a loan? One of the most convenient ways to secure the large amount of cash you need to fund that renovation, medical bill...
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These Simple Steps Can Help You Improve Your Credit Score

These Simple Steps Can Help You Improve Your Credit Score

These Simple Steps Can Help You Improve Your Credit ...

Feb. 26, 2020
Applying for a term loan can be difficult and tedious, not to mention all the different eligibility criteria. Applying for a mortgage? Be aware of ...
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Best VA Mortgage Lenders of {year}

Best VA Mortgage Lenders of 2020

Best VA Mortgage Lenders of 2020

Feb. 26, 2020
VA loans make purchasing a first home or getting a second mortgage easier for those currently serving in the armed forces, reservists, veterans, an...
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LendingTree vs Quicken Loans: Choosing the Right Lender for You

LendingTree vs Quicken Loans: Choosing the Right Lender for You

LendingTree vs Quicken Loans: Choosing the Right Len...

Feb. 26, 2020
When shopping around for a mortgage, is it recommended to start your search with a marketplace or by going straight to a direct lender? Put this to...
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Best 15-Year Mortgage Lenders of {year}

Best 15-Year Mortgage Lenders of 2020

Best 15-Year Mortgage Lenders of 2020

Feb. 26, 2020
If you’re in the market for a house, you’ve probably been reading up on all there is to know about mortgages. A mortgage is a loan you take to help...
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Common Mistakes Young Homebuyers Make

Common Mistakes Young Homebuyers Make

Common Mistakes Young Homebuyers Make

Feb. 26, 2020
You’ve come into the time in your life where you’re truly independent and really starting to make it. You’ve built up some savings and you’re where...
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What's It Really Like to Get a Mortgage Online? 3 Borrowers Tell All

What's It Really Like to Get a Mortgage Online? 3 Borrowers Tell All

What's It Really Like to Get a Mortgage Online? 3 Bo...

Feb. 26, 2020
Traditionally, people take out mortgages at the local banks where they already have an account or through a local mortgage broker that has access t...
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Good News For Home Buyers: Mortgage Approval Rates Are Higher Than Ever

Good News For Home Buyers: Mortgage Approval Rates Are Higher Than Ever

Good News For Home Buyers: Mortgage Approval Rates A...

Feb. 26, 2020
Some good news to brighten the day of prospective homebuyers: you’re more likely to be approved for a mortgage than ever before. Total denial rates...
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A Guide to Lowering Your Monthly Mortgage Payments

A Guide to Lowering Your Monthly Mortgage Payments

A Guide to Lowering Your Monthly Mortgage Payments

Feb. 25, 2020
​Your mortgage has been approved, you’ve made your down payment and paid all closing costs, and you’re ready to move into your new home. But your b...
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How Much Does it Cost to Refinance Your Mortgage?

How Much Does it Cost to Refinance Your Mortgage?

How Much Does it Cost to Refinance Your Mortgage?

Feb. 25, 2020
Refinancing can be an easy way to afford large expenses like home renovations or college, to lower your interest rates (and therefore payments) or ...
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Everything You Need to Know About Getting a Mortgage

Everything You Need to Know About Getting a Mortgage

Everything You Need to Know About Getting a Mortgage

Feb. 25, 2020
Unless you're one of the lucky few that can purchase a home for cash, you're likely to need some kind of a loan to realize your dream of home owner...
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Mortgage vs. Mortgage Refinance - What's the Difference?

Mortgage vs. Mortgage Refinance - What's the Difference?

Mortgage vs. Mortgage Refinance - What's the Differe...

Feb. 25, 2020
The more you understand about your home and the mortgage you pay, the easier it will be to sort through your finances and have realistic expectatio...
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Refinance Without Closing Costs - Is it Right for You?

Refinance Without Closing Costs - Is it Right for You?

Refinance Without Closing Costs - Is it Right for You?

Feb. 25, 2020
With interest rates low, now might be a good time to consider refinancing your mortgage. Before agreeing to a new deal at the lowest rate, it is wo...
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Best 30-Year Mortgage Lenders of {year}

Best 30-Year Mortgage Lenders of 2020

Best 30-Year Mortgage Lenders of 2020

Jan. 06, 2020
Shopping for a mortgage is a big deal, and if you’re buying your first house, you may not know where to start with all of the different lenders, l...
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Best Jumbo Mortgage Lenders of {year}

Best Jumbo Mortgage Lenders of 2020

Best Jumbo Mortgage Lenders of 2020

Jan. 06, 2020
A jumbo mortgage is exactly what is sounds like: A huge loan to buy a house. But “jumbo” is not just in the eye of the beholder; rather, a loan is ...
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When Is the Right Time to Refinance Your Mortgage?

When Is the Right Time to Refinance Your Mortgage?

When Is the Right Time to Refinance Your Mortgage?

Jan. 05, 2020
The mortgage that you signed up for isn’t what you thought it was, or it may not fit your current budget and lifestyle. If you have an adjustable r...
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Mortgage Refinance: A Beginners Guide

Mortgage Refinance: A Beginners Guide

Mortgage Refinance: A Beginners Guide

Dec. 22, 2019
People refinance their homes in order to free up money--either by lowering the amount spent on monthly payments or with a cash loan above the remai...
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Is a Mortgage Refinance Right for You?

Is a Mortgage Refinance Right for You?

Is a Mortgage Refinance Right for You?

Dec. 22, 2019
For many homeowners, there are large benefits to renewing the mortgage process on an existing home. Typically referred to as mortgage refinancing o...
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The Alternatives to HARP Refinancing

The Alternatives to HARP Refinancing

The Alternatives to HARP Refinancing

Oct. 23, 2019
The Home Affordable Refinance Program, commonly referred to as HARP or the Obama Refinance Program, is a federal government-backed refinance progra...
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Top Resources For Millennial Homebuyers

Top Resources For Millennial Homebuyers

Top Resources For Millennial Homebuyers

Oct. 23, 2019
Although the popular image of millennials is of long-term renters who shy away from buying a property, recent market surveys show that this isn’t t...
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What You Can Do if You Suspect Mortgage Discrimination

What You Can Do if You Suspect Mortgage Discrimination

What You Can Do if You Suspect Mortgage Discrimination

Oct. 23, 2019
If you believe you’ve been ‘redlined’ because of your race, religion, age, or sex, there are a number of ways you can deal with it. Contact your le...
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Understanding Common Mortgage Terms

Understanding Common Mortgage Terms

Understanding Common Mortgage Terms

Jul. 23, 2019
Applying for a mortgage involves a lot of confusing numbers, but it's actually the words around those numbers that you should be focused on. Learni...
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Urban vs Suburban: Where Should I Buy My First Home?

Urban vs Suburban: Where Should I Buy My First Home?

Urban vs Suburban: Where Should I Buy My First Home?

Jul. 22, 2019
The bright lights of the city or the wide, open spaces of the suburbs? It’s one of the biggest dilemmas faced by first-time home buyers. This guide...
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HELOC Popularity Rises with Household Home Equity: Know the Pros and Cons

HELOC Popularity Rises with Household Home Equity: Know the Pros and Cons

HELOC Popularity Rises with Household Home Equity: K...

Apr. 23, 2019
Most homeowners have heard of home equity loans and cash-out refinance, but neither of these is the most popular product when it comes to home equi...
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FHA Loans: Your Guide to Getting a Loan with Low Credit

FHA Loans: Your Guide to Getting a Loan with Low Credit

FHA Loans: Your Guide to Getting a Loan with Low Credit

Dec. 30, 2018
Want to buy a new home, but have a low credit rating or don’t have a lot of cash? If this sounds like you, consider applying for an FHA loan: a Fed...
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Mortgage Pre-Approval: The Basics

Mortgage Pre-Approval: The Basics

Mortgage Pre-Approval: The Basics

Nov. 18, 2018
What does pre-approval mean when you’re looking to buy a home? Understand how it can help you and how to apply for pre-approval, which can give you...
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Which Mortgage is Right for Me?

Which Mortgage is Right for Me?

Which Mortgage is Right for Me?

Nov. 18, 2018
As you shop through different lenders, it's important to understand the loan term options available to you and what the phrases and options mean fo...
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7 Factors to Consider When Choosing a Mortgage

7 Factors to Consider When Choosing a Mortgage

7 Factors to Consider When Choosing a Mortgage

Nov. 18, 2018
When purchasing a home, a mortgage is almost always an inevitability. To ensure the best outcome, it’s important to plan ahead and make a decision ...
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