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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

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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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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A non-traditional mortgage doesn’t have conventional loan features. Find out all you need to know about non-traditional mortgage loans.
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Renovating your home soon and need cash to fund the upgrades? Refinancing could be a good option. But it may be best to hold off. Here’s why.
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Choosing the best non-prime mortgage lender is challenging for first-time home buyers. Here’s what to look for in non-prime mortgage lenders.
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FHA loans are government-insured mortgages with flexible criteria. This guide details the eligibility criteria for these loan products.
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Traditional mortgage lenders serve 1099 income-earners. Learn about non-traditional lenders to prove your income in a different way.
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Tapping into home equity is great but is it possible without refinancing? Yes, here’s how to get equity out of your home without refinancing.
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Learn how a jumbo loan works, and what requirements mortgage lenders will ask to qualify for this type of home loan.
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Before you apply with a mortgage lender, understand how refinancing works and how long you need to wait before you can refinance your house.
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If you don't have the income documentation traditional lenders require, learn how you can get a home loan with no W2 income proof.
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Are you wondering how long a preapproval letter for a mortgage is valid? It depends on the lender, so read on to learn more.
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Are you a real estate investor seeking to expand into rental properties? Read how asset-based lending could be an option for you.
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Using your home equity to renovate is one of the best ways for homeowners without enough cash. Here’s how to use home equity to renovate.
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Learn what lenders may request as proof of income to verify your earnings before approving you for a home loan.
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HELOCs and cash-out refinance loans let you convert a portion of your home’s equity into cash. Here’s how to decide which is right for you.
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No doc mortgages are loans that are accessible to borrowers who are unable to provide standard income documentation, like W2s or pay stubs.
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Refinancing your mortgage is one of the many ways to lower your rates and monthly payments. Here’s how to refinance an investment property.
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A non-QM mortgage is a loan that does not meet the standards set by CFPB. Here’s how non-qualified loans work and where to get one.
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Are you looking to lower your monthly mortgage payments? Here are 11 ways to lower your mortgage and free up some cash for other obligations.
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Can you get a mortgage if you’re self-employed? Yes, it’s possible. Find out how to get one and mortgage options for self-employed borrowers.
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Reverse mortgages cater to soon-to-be retirees looking to trade in their home equity for cash, but they come with costly disadvantages.
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If you’re a first-time homebuyer looking for a mortgage, you might be torn between FHA vs. conventional loans. Here are the differences.
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Stated income loans are no income verification loans that existed in the early 2000s. Do lenders offer them today? Keep reading to find out.
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Learn how a bank statement loan allows you to get a mortgage using bank deposits rather than tax returns. Know if it's right for you.
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Home equity financing options help you get extra cash. Discover the pros and cons of a reverse mortgage vs. a home equity loan.
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Torn between a fixed-rate and adjustable-rate mortgage? Here’s how to evaluate and decide which is best for your financial situation.
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A reverse mortgage may not the best way to tap into your home’s equity. Read about the downside to a reverse mortgage and a better solution.
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Refinancing your mortgage can be beneficial but is not without costs. Learn more about the process and the cost to refinance a mortgage.
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Your home equity provides a useful funding source. Discover how to use home equity to fund purchases and keep up with expenses.
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Wondering how much home equity you can borrow? Discover what you can get, and how to tap into home equity without a loan.
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If you want to get cash from your home equity, learn how long a cash out-refinance takes, how it works and what documents you need to apply.
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What is home equity? We’ll cover the details and share how to calculate home equity. Discover how much money you can qualify for.
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Read on to discover how much the average homeowner put down last year and the minimum down payment requirements by loan type.
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A piggyback loan is a second mortgage that can help you avoid PMI, jumbo loans or high interest rates without making a hefty down payment.
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Equity in real estate is the difference between the mortgage balance and property value which you can convert to cash to use how you see fit.
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If you want to convert home equity into cash, here’s a breakdown of a cash-out refinance's pros and cons and how this mortgage product works.
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If you are considering taking equity out of your home, learn about the requirements of a home equity line of credit and other options.
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Learn how a revolving line of credit lets you borrow up to the credit limit on an as-needed basis, and other alternatives to consider.
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Learn more about your options to access the equity in your home and if you should consider home investors for this process.
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If you want to purchase a second home, learn how to use your home equity or refinancing your mortgage to finance it.
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There are several ways how to build equity in your home so you can maybe convert it into cash. Keep reading to learn more.
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Explore loan options to take equity out of your home, along with a viable alternative If you’d prefer not to take on a loan or extra debt.
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Learn how you can use a home equity loan or HELOC to pay off your mortgage, and an option without added debt or monthly payments.
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A home equity loan may or not be a good idea, depending on your financial situation. Here’s how to decide and a debt-free alternative.
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Learn how a bridge loan vs. a HELOC can help you get the funds for a down payment to buy a new home before you sell your current one.
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In this guide, you’ll learn how to evaluate things to consider before choosing a home equity investment company.
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Reverse mortgages and home equity loans allow you to pull cash from their property. See how they differ and which option is most suitable.
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Home equity loans or HELOCs aren’t the only way to tap into your home’s equity. Consider home equity investments for a debt-free solution.
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The timeline for receiving a home equity loan depends on several factors. Fortunately, there’s a quicker way to access your home equity.
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Want to unlock your home equity without borrowing? Consider a shared equity agreement to get cash that can be used how you see fit.
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Looking for alternative ways to tap into your home's equity? Discover the various options available to homeowners in this helpful guide.
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Are you considering home co-investment to unlock the equity in your home? Learn how co-investing in real estate works.
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Read more about the key requirements for a home equity loan to increase your approval odds and how to find a loan with competitive terms.
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Mortgage application fees are unavoidable but there are ways to save money. We’ve got the breakdown on how to negotiate the price tag of certain fees.
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A 15-year fixed rate mortgage can save you a lot of money over the long-term and still help you get the house of your and your dreams.
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Learn the difference between a home-equity line of credit and cash-out refinancing to tap into the cash value of your home.
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Will I get lower mortgage interest rates with a higher credit score? This article details the answers to this question including how credit scores impact mortgage interest rates.
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The minimum credit score needed for a mortgage is about 640, but what if you have a lower credit score? Read about your options.
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Home refinance loans interest rates are crucial to homeowners securing low rates when refinancing their loans. Read our step-by-step guide.
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There are many refinance home loan advantages. We've put 7 common benefits that most homeowners can take advantage of through refinancing.
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How often can you refinance your home? As often as you like, as long as you own a home, and consider the costs involved to ensure the savings.
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Is a no-cost refinance loan right for you? Learn some of the advantages and disadvantages of these loans and how much they cost.
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Refinance your home with one of the options available to homeowners. Read about the process to ensure huge savings when refinancing.
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Understand the mechanism behind refinance mortgage rates to make sure you make the most of the interest rate in your new home loan.
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There are many reasons why you might consider refinancing your home. Before you begin, understand the process to save money.
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The best mortgage for low down payment are those with a rate of 6% and below. Learn about the benefits of a low down payment for your mortgage.
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The search for mortgage for first time home buyers can be daunting. Shop for a reputable lender that will offer the best to suit your needs.
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If you are looking to refinance your home loan, some documents to refinance you need are pay stubs or tax statements. Get the full list.
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If you are thinking about refinancing your home options, review them here to choose the best rate and lender to save more money on your new loan.
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Closing costs are key parts of refinancing a home. Understand them to know if refinancing will be truly profitable or advantageous to you.
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One of the common questions lenders get from homeowners is how long it takes to refinance a home. The best answer is a resounding, "it depends."
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Learn about the top home loans lenders for bad credit in 2018 and the available programs if you have a less-than-perfect credit score.
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Take advantage of low interest rates refinancing to a shorter mortgage. Here you are all the questions you'll need to ask.
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Why refinance home loans? Read the reasons why refinance home loans are a great option that can save you money and if this may be a good option for you.
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Refinancing with a 30 years mortgage may get you a reduced interest rate or lower your monthly payments. Understand all the benefits of this loan type.
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Did you know that you have some control over the refinance rates you get for your new mortgage? Learn the ways to get the best rates.
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Refinancing your home can affect your credit through the mechanism of a hard credit inquiry. Understand what can affect your credit score.
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The process how to refinance your mortgage might seem complicated. Read our step-by-step breakdown to getting a new loan for your home.
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Refinancing at the end of the year can save you money. Learn when to refinance your home to potentially save more money on the process.
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Read this simple guide explaining what is refinancing: the basics, what to consider when refinancing or how to determine if it makes sense for you.
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Choosing the best time to refinance your home may help you saving on your monthly payments, which at the end is the end goal for refinancing your mortgage.
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Standard mortgage refinance fees may include appraisal fees, insurance and taxes, escrow and title fees, credit fees and lender fees.
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A short-term mortgage can save you thousands of dollars in interest payments when you refinance your home. See if this option it's the right one for you.
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When you refinance a mortgage, your goal is to lower your payment. Undertstand cost and terms of your loan to calculate when you will break even.
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