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Mortgages
Compare mortgage rates locally, evaluate lenders, and utilize our calculators to determine affordable home prices. Access expert guidance and updates.
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Mortgage basics
![A house](https://www.bankrate.com/2024/02/12100948/Homes_How_To_Get_The_Best_Mortgage_Rate.jpg?auto=webp&optimize=high&crop=16:9&width=320)
How to get the best mortgage rate
Mortgages
With interest rates rising, shopping around is more important than ever.
![Family moving into home](https://www.bankrate.com/2019/07/03123917/First-time-homebuyer-guide.jpg?auto=webp&optimize=high&crop=16:9&width=320)
First-time homebuyer guide
Mortgages
Being a novice often feels like a nuisance. However, there are actually perks to being a first-timer.
![](https://www.bankrate.com/2023/08/03181635/Homes_5_types_of_mortgage_loans_for_homebuyers.jpg?auto=webp&optimize=high&crop=16:9&width=320)
5 types of mortgage loans for homebuyers
Mortgages
A comprehensive list to help you find the right financing tool for your dream home.
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Editor's picks
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Unless you’re winning on a regular basis, it might be tough to use sports betting income to qualify for a mortgage.
![Homebuyers research mortgage lenders.](https://www.bankrate.com/2021/04/02143747/Bank_or_local_lender_deciding_where_to_get_your_mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Although lenders can provide the same end product, not all are created equally.
![A boy plays with blocks with his parents; his mother is in the military](https://www.bankrate.com/2021/05/21095134/How_to_get_VA_certificate_of_eligibility.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Don’t skip this crucial step on your road to homeownership.
![An apartment garden complex](https://www.bankrate.com/2021/06/09152657/What_is_a_blanket_mortgage.png?auto=webp&optimize=high&crop=1:1&width=356)
It covers a particular type of borrower or investor. Newbies needn’t apply.
![A couple standing in front of a laptop](https://www.bankrate.com/2024/02/17150649/Homes-What-is-an-assumable-mortgage-and-how-does-it-work.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It could be a smart move if interest rates are high. But will the lender allow you to?
![Does refinancing affect property taxes?](https://www.bankrate.com/2022/05/11115028/GettyImages-875247398.jpg?auto=webp&optimize=high&crop=1:1&width=356)
No, there won’t be an immediate impact. But there are some things to watch out for.
![A house on a stack of money](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How low will they go?
![Modern Real Estate Front Exterior Blue and White Color Scheme with landscaping](https://www.bankrate.com/2022/01/03132751/How-to-get-a-home-equity-loan-with-bad-credit.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Yes, you can get financing, even if you’re not the most creditworthy candidate.
![A person is in their home office calculating their taxes](https://www.bankrate.com/2020/05/07140721/Cash_out_refinance_tax_implications.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Cash-out refinances have implications at tax time.
![A suburban single-family home with front yard](https://www.bankrate.com/2021/04/02144646/What_credit_score_do_you_need_to_refinance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you have bad credit, you need to find ways to compensate for the additional risk.
![A house with a sign that says "Reduced" behind it](https://www.bankrate.com/brp/2023/11/23113331/Homes-How-to-get-a-low-cost-mortgage-refinance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
But be careful, lest a strategy end up costing you more in the long run.
![Imagine of a house on a lake](https://www.bankrate.com/2023/09/11092334/Homes_Cash_out_refinance_How_it_works.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A cash-out refi lets you tap your home equity in cash. See if it’s right for you.
![A contractor installs insulation](https://www.bankrate.com/2021/09/27165811/What_is_an_energy_efficient_mortgage-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You can get an EEM through many of the same lenders that offer mortgages.
![A couple speaks with a financial advisor.](https://www.bankrate.com/2020/09/01140924/Untitled.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
You need to crunch numbers to see if a refi makes sense.
![A scale balancing a house and money](https://www.bankrate.com/2023/10/19123906/Homes-What-is-a-loan-to-value-ratio.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s a comparison calculation that’ll determine if you’ll get a loan, and the interest rate you’ll pay.
![Modern bedroom](https://www.bankrate.com/2018/04/10152735/should-you-get-a-home-equity-loan-heloc-or-a-line-of-credit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Knowing the differences among equity loans will help you make the right choice.
![](https://www.bankrate.com/2024/01/19120134/Mortgages-best-construction-loan-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best construction loan lenders.
![](https://www.bankrate.com/2024/01/18084621/Homes_Best-FHA-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When it comes to these easier-to-qualify-for loans, these lenders are tops.
![Image of houses on a sunny day](https://www.bankrate.com/2024/01/30103521/Homes-Best-mortgage-lenders-in-February-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for April 2024.
![](https://www.bankrate.com/2023/12/19115614/Mortgages-best-203k-rehab-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best 203(k) rehab mortgage lenders.
![](https://www.bankrate.com/2024/01/18084138/Homes_Best-low-credit-score-mortgage-lenders-of-January-2024_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best bad credit mortgage lenders in 2024.
![](https://www.bankrate.com/2024/01/18083208/Homes_Best-mortgage-lenders-in-Online-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
OK with doing your loan digitally? These mortgage companies are the tops.
![](https://www.bankrate.com/2024/01/19120653/Mortgages-best-refinance-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage refinance lenders in 2024.
![Illustrated image featuring a house](https://www.bankrate.com/2023/12/29172148/Homes_Best-mortgage-lenders-no-origination-fee-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s guide to finding the best reverse mortgage lender for you
![A single-story home with lawn and front path](https://www.bankrate.com/2020/10/22103247/What_happens_if_you_inherit_a_mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
First off, the mortgage still needs to be repaid — whatever your ultimate plans for the home are.
![Close up of a person signing a contract](https://www.bankrate.com/2010/09/15082549/what-to-know-about-insolvency.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Insolvency is a difficult financial situation, but it doesn’t have to last forever.
![](https://www.bankrate.com/2020/12/21145642/GettyImages-83802508.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discount real estate brokers cut their commissions. Do they axe services too?
![The exterior of a two-story single-family home with attached garage and driveway](https://www.bankrate.com/2021/08/23112215/Flex_Modification_what_to_know.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you’re behind on your mortgage, a Flex Modification might be able to help.
![Foreclosed home](https://www.bankrate.com/2019/04/24134937/Missing-your-mortgage-payments-heres-how-to-avoid-foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are strategies for avoiding foreclosure if you have trouble making house payments.
![Couple reviewing bills, managing finances](https://www.bankrate.com/2022/05/14121006/how-to-refinance-an-underwater-mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Even if you owe more than your home is worth, there are options to refinance.
![](https://www.bankrate.com/2022/08/24112530/what-is-mortgage-forbearance-agreement.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Borrowers can request forbearance when there’s a change in their financial situation.
![A single-story home with yard and driveway](https://www.bankrate.com/2020/09/03103621/What_is_preforeclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s the first step on the road to losing your home. So avoid it.