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Mortgage articles

Doing research and comparing mortgage rates and lenders can save you thousands of dollars on your home loan. Read articles, how to guides and latest news in Banks.com for a brighter financial future.

Mortgage articles

Looking to refinance your mortgage but worried about your credit score? Discover the lowest credit score needed to qualify for a refinance.
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Should you pay off your debts with a cash-out refinance? This guide will explain the benefits and potential risks of using this strategy.
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Need a home equity loan but have bad credit? This guide will provide you with the facts and information you need to secure a loan.
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Wondering if debt consolidation refinance is right for you? Explore its advantages and the things you should consider in this helpful guide.
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Need to refinance your mortgage but have bad credit? Don't worry! This guide will show you how to navigate the process.
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Are you self-employed and looking to buy a home? Discover the home loan options available and find the perfect solution for your needs.
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Wondering if you can refinance a house with bank statements? Find out everything you need to know about this alternative mortgage option.
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If you are self-employed, discover how to qualify to refinance your mortgage loan based on your bank statements instead of proof of income.
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Need a mortgage but don't have traditional income documentation? Bank statement home loans offer a flexible solution for the self-employed.
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In this article, you’ll learn about home equity loans and how you can qualify for one if you have a FICO score between 500 and 580.
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Having a hard time getting approved for a mortgage due to your poor credit score? Here’s all the information you need to qualify for a loan.
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Learn what a cash-out refinance is, how it can help you tap into your home equity, and how to qualify for it with a 580 credit score.
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Looking to buy a home but have a poor credit score? Click here to learn about what bad credit mortgage loans are and how you can get one.
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If you're considering a reverse mortgage, learn everything you need to know about reverse mortgage interest rates.
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If you're wondering whether you can sell a house with a reverse mortgage, the answer is yes. Read about important things to consider.
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Need to make some home improvements but don't have the cash? A cash-out refinance may be the solution you're looking for. Learn more here.
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How do reverse mortgages work? Explore reverse mortgage FAQs and an example that demonstrates how to use a reverse mortgage.
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Are you considering a reverse mortgage for your retirement years? Here's how much money you can get from a reverse mortgage.
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Are you considering an AAG reverse mortgage? Before you make a decision, read common complaints and concerns to make an informed choice.
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Is a reverse mortgage good or bad? Those with equity in their homes should consider the pros and cons before using these financial products.
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Navigating the home buying process for the first time can be daunting. These 10 first-time home buyer tips will help you sail through it.
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What happens during a reverse mortgage foreclosure? These important details can help you avoid foreclosure and keep your property.
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Reverse mortgages can provide additional cash, but what are the risks? Discover how to get a reverse mortgage without losing your house.
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Are you shopping for a home loan? Check out our list of the most popular types of home loans and see what might be best for you.
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Can a non-U.S. citizen get a mortgage? Yes, here’s everything you need to know about obtaining a mortgage as a non-U.S. citizen.
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If you’ve got your heart set on a specific non-warrantable condo, a mortgage loan can help. Here’s how to get a non-warrantable condo loan.
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A self-employed mortgage is more difficult to get than conventional loans. Here are top 10 strategies for the self employed buying a house.
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An asset depletion mortgage lets you use your assets instead of income to qualify for a mortgage. Here’s how it can help you buy a home.
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Understanding key reverse mortgage rules can help you have a seamless experience. Know the regulations and how to get a reverse mortgage loan.
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If you are considering a reverse mortgage, read this guide to understand common reverse mortgage scams to help you avoid becoming a victim.
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If you run an S corp, you may wonder if you can qualify for a home loan. Learn more about running an S corp and qualifying for a mortgage.
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Learn what a jumbo mortgage is and how to get one if you’re considering a luxury home or property in a high-cost area.
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If you want to expand your real estate portfolio, find out the 4 best types of investor loans to finance your next project.
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Learn how ITIN loans that cater to borrowers with IRS-issued Individual Tax Identification Numbers (ITINs).
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If you’re currently unemployed and seeking a mortgage, learn about the options you have and if you can get a mortgage without a job.
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Didn't get a conventional mortgage? Discover how a portfolio loan can give you the financing you need to buy a home and how to get one.
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Learn more about what causes reverse mortgages to become payable and how you pay back a reverse mortgage sooner.
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If you're in the market for a new home, learn how to increase your mortgage pre-approval amount and improve your affordability.
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If you are buying a home and looking to borrow the funds, learn how to choose a mortgage lender and what to look for in one.
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There's a limit on the number of mortgages you can have. Although generous, read on to see how many mortgages you can have.
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Discover how much you can expect to pay for closing costs, how they're calculated, and how to roll closing costs into your mortgage loan.
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HELOCs can give you the funds you need, but you will have to repay after the draw period. Here's how to calculate your monthly payment.
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If you are considering a reverse mortgage, read on to learn more about what happens when reverse mortgage borrowers die.
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Here's what you need to know about reverse mortgages, how they work, and the requirements to get approved for a loan.
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If you have just retired, learn what a reverse mortgage is and how it can help you access the cash to supplement your retirement income.
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Want to know how long it takes to get a HELOC? Discover how to get your HELOC sooner and how long most people wait.
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The HELOC closing process is the final step you need to tap into your equity. Discover how the HELOC closing process works.
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If you have nearly reached the finish line of the home-buying process, learn how to determine when your first mortgage payment is due.
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Mortgage lenders require two years of work history to qualify for home loans. But you can get one even if you don’t meet this requirement.
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Learn how no income verification mortgages don't require the standard documentation that you’ll need for traditional home loan products.
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A reverse mortgage could be a smart financial move for older homeowners, but there are downsides to consider before applying.
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All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated Dec, 19
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Each lender has different timing when it comes to locking rates. Learn how long you can lock in a mortgage rate and the costs associated.
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Are you looking to purchase a second property and need cash for the down payment? Discover if you can use a HELOC for the down payment.
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Learn what a home equity conversion mortgage (HECM) is and how it is backed by the Federal Housing Administration (FHA).
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Asset-based mortgages are home loans that are for borrowers with a substantial amount of liquid assets. Here’s what eslse you need to know.
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A recent foreclosure can feel like the end of the world. But it’s possible to recover and position yourself for homeownership in the future.
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Before you shop for a new home, it’s vital to calculate how much of your income should go to the monthly mortgage payments.
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Reverse mortgages let seniors boost their retirement income and eliminate their monthly mortgage payments without taking on more debt.
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Getting pre-approved lets you know how much home you can afford and gives you more power as a buyer. Here’s how the process works.
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There are two types of mortgage points: origination points and discount points. This guide dives into how each works.
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It’s possible to have two HELOCs on the same property. Here’s what you need to know about taking out a second HELOC.
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If you have enough equity in your home, you may be able to get rid of private mortgage insurance (PMI) and lower your monthly payment.
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You can refinance your mortgage to get a lower monthly payment, interest rate or change the loan term. Here’s how to decide if it’s for you.
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It’s possible to buy a home after bankruptcy, but the waiting period depends on the lender and home loan product you select. Learn more.
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You can use a HELOC to buy an investment property but be sure to evaluate first to determine if it’s the best financing solution for you.
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Getting a jumbo loan generally requires more stringent eligibility criteria. Learn more about the ranges and what else you need to qualify.
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The lending process for investment properties is similar to what you’ll find when taking out a traditional home loan. Here’s what to expect.
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It can be challenging to get approved for a traditional home loan as an independent contractor but there are private lenders you can turn to.
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It’s possible to get a mortgage without tax returns but you need to find a reputable private lender to help you navigate the lending process.
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No doc loans are a viable option to purchase an investment property. Here are some facts you should know before applying for funding.
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Weigh the pros and cons of a reverse mortgage to ensure it's the right solution for you to supplement your retirement income.
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Considering a jumbo mortgage for your primary residence or investment property? This guide will reveal key details about this type of loan.
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Learn more about the reasons why people refinance their homes to see if it makes sense for your particular circumstances.
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Can you deduct interest paid on a Home Equity Loan or HELOC from your taxes? Learn in which cases it is deductible and how to claim it.
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Learn what earnest money means when buying a house and how it assures the seller you are serious about purchasing the home.
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Some home loans can be refinanced right away. Others have waiting periods. This guide explores timelines for various mortgage products.
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People use FHA loans to make homeownership accessible, but closing costs can be an obstacle. Do FHA loans cover closing costs? Find out now.
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Second mortgages let you tap into your home’s equity to get the cash needed for debt, costly home repairs or other big-ticket purchases.
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A HELOC can help you buy a home, but is it the best way to finance a home? Discover the pros and cons of HELOCs and home equity loans.
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Learn the number of times you can refinance your home and the situations when refinancing may make financial sense before moving forward.
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Stated income mortgages are not longer available. But discover alternatives if you’re having trouble qualifying for a traditional mortgage.
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Jumbo mortgage rates are sometimes higher than what you’ll find with conventional mortgages. But this isn’t always the case. Here’s why.
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Learn how to buy a house with a 1099, and discover mortgage loan options that cater to independent contractors.
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An Investor Cash Flow Loan is a mortgage program that lets real estate investors use projected cash flow on property to qualify for a loan.
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VA loans have many advantages, but you still have to pay closing costs. Discover how much VA loan closing costs can add to your purchase.
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DSCR loans are a viable option for investors looking to expand their portfolios. Here’s what you need to know about loan requirements.
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It’s possible to qualify for a mortgage if you’re self-employed, but you’ll likely have to provide additional documentation to get approved.
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Learn how bank statement mortgages help make home ownership more accessible to borrowers with non-traditional income.
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Find out the pros and cons of FHA loans to decide which is right for you, discover more about a lender that has the best home loans for you.
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Find out what the maximum LTV is for a home equity line of credit plus learn other ways to get cash from your mortgage with easy refinance.
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Low doc loans are a flexible mortgage option if you can’t get approved for a traditional home loan. Here’s how to qualify.
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Read this guide to learn about home equity loans and HELOCs to decide which is best for you and discover how to get cash out of your home.
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The interest rates for jumbo loans are often higher than conventional loans. Still, a jumbo loan may be a good fit for some homebuyers.
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Most lenders require a down payment of at least 10 percent for a jumbo loan. This guide explains why and discusses other costs to consider.
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If you’re in the market for a non-traditional mortgage product, here’s what to look for when researching Non-Qualified mortgage lenders.
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It can be challenging to find Non QM loans. Luckily, Angel Oak has got you covered with flexible mortgage solutions to fit your needs.
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Private mortgage lenders are known for their fast approval and funding. As self-employed, how do you choose one? Here’s what to look for.
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When applying for a home loan, you will need to provide tax returns. Learn exactly what mortgage lenders look for on your tax returns.
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If you’re self-employed and want to get a mortgage, lenders will always want to prove your income. Read on to learn how you can calculate it.
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