As mortgage rates eased, refinancing surged in Q4. Hundreds of thousands of homeowners cut monthly payments, while millions more may now be eligible to refinance.
Why do most homebuyers choose 30-year mortgages? Lower payments and greater buying power play a big role, and the long-term interest gap isn’t always as large as it seems.
Most home closing delays are preventable. A loan officer explains the most common causes and what buyers can do to avoid last-minute surprises.
Mortgage lenders argue soaring credit report fees are driving up costs. Now they’re asking lawmakers to step in, but will borrowers actually see any savings?
The mortgage underwriting process determines whether your loan is approved. Learn what underwriters scrutinize, common deal-killers, and how communication helps you reach the closing table.
If you owe more than your home is worth, you have an underwater mortgage. We’ll go over the causes and impacts, and the options homeowners have when their loans are underwater.
Bilt now lets homeowners earn rewards for paying their mortgage, but concerns over potential issues and the complex rewards program leave consumers weighing savings against risk.
Most Redditors report having a straightforward closing experience. Do your homework, but even the most prepared can hit snags at the closing table.
Fannie Mae has rebranded its HomeStyle Energy product as HomeStyle Refresh, expanding the types of improvements homeowners can use the funds for
Borrowers seem to be shopping around less for the best rates when refinancing their mortgages, says a new report. But it could cost them dearly.
As a first-time homeowner, there’s a lot you’re going to need to learn about your new mortgage. These eleven topics will provide a strong foundation of knowledge to get you on the right track.
Lower mortgage rates have spurred a refinance boom. But there may be a downside.
Mortgage lenders are doing a good job, says the J.D. Power 2025 U.S. Mortgage Origination Satisfaction Study.
The government is looking at ways to improve access to assumable and portable mortgages. How much might that help the housing crisis?
The Fed wants to increase bank mortgage lending. Here’s how that move could affect rates, fees, and borrower protections.
Mortgage Research Network analyzed how long it could take renters to save a 5% down payment in 50 U.S. cities by cutting common discretionary expenses.
Rising credit card, auto, and student loan debt is squeezing household budgets, making it harder for would-be buyers to qualify for a mortgage. Here’s why debt management matters.
The 28/36 rule oversimplifies home affordability. As a loan officer, I’ll explain why budget and homebuying needs matter more than rigid rules when deciding how much house you can afford.
