Ruben Caginalp

Former associate writer, Home Lending
Ribbon Icon EXPERTISE
  • First-time homebuying
  • Mortgages
  • Mortgage refinancing
  • Housing market
  • Real estate
Education Icon EDUCATION
  • Bachelor of Arts, Fordham University

Ruben Çağınalp is a former associate writer on Bankrate’s Home Lending team. A graduate of Fordham University, he began his professional career with Bankrate in January 2022, where he now covers the housing market, real estate and mortgages. He specializes in exploring topics that empower consumers to build wealth and stability, like preparing to apply for a mortgage and comparing rate offers.

As a college student, Ruben interned as an LGBTQ+ civil rights paralegal, completed three university research fellowships and published his work in undergraduate research journals.

When he’s not working, Ruben enjoys long walks, reading books and traveling.

Ruben wants you to know

Homeownership is a more attainable goal than you think. There are a range of mortgages available to borrowers of varying incomes and financial means, including zero-down loans. You should also find out if you qualify for first-time homebuyer programs. Offered by city, state and federal government agencies as well as nonprofits, these initiatives could offer you thousands in gift aid or forgivable loans towards the purchase of your first home. You can also save big in the long run if you shop around and compare rate offers from at least three different lenders.

Ruben Çağınalp’s recommended readings

“If you want to leave renting behind, take advantage of all available resources to get the best possible deal on a home.”

— Ruben Caginalp

Ruben's Picks

6 MIN READ

Best mortgage lenders for first-time homebuyers in 2024

Our list of lenders best suited to helping out a novice homeowner-to-be.

Real estate agent greets a client in front of a red brick home
2 MIN READ

Here’s why mortgage rates won’t fall after the Fed cut

Today’s mortgage rates already reflect the likelihood of a September Federal Reserve rate cut.

A woman participates in an online class
5 MIN READ

Homebuyer education courses: What are they and should you take one?

If you’re a first-time homebuyer, a little learning never hurts.

Mother holding two children
7 MIN READ

What percentage of your income should go to a mortgage?

There are at least two schools of thought on how much it should be.

A woman reviewing documents
12 MIN READ

Key mortgage terms to know: a guide to commonly used phrases

From A(RMs) to V(A loans), the most common words mortgage shoppers should know.

Family watering garden in backyard on summer morning
6 MIN READ

What is the first-time homebuyer tax credit?

This once and future tax break for first-timers is still pending. Until it returns, here are alternatives.

A mother and daughter have a discussion in the kitchen
9 MIN READ

Should you add a co-borrower to your mortgage?

It can boost your chances of being approved, but it may mean sharing ownership too.

A father and sons
7 MIN READ

What is a gift letter for a mortgage?

Many times, homebuyers turn to others to get enough cash upfront for a mortgage.

Ruben's latest articles