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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.
Reviews & tools
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News highlights
The latest
![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.
![A house on a sunny day](https://www.bankrate.com/brp/2024/04/30153640/Homes-May-2024-mortgage-rate-forecast.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s Greg McBride and others weigh in on what to expect for mortgage rates in September 2024 and beyond.
![](https://www.bankrate.com/brp/2024/08/30093324/Homes-Can-you-use-sports-betting-income-to-qualify-for-a-mortgage-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
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.
![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.
![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?
![Illustrated collage featuring a mailbox with money falling out](https://www.bankrate.com/2023/05/05104747/Homes_How-to-take-equity-out-of-your-home.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your home isn’t a piggy bank, but there are wise ways to tap your ownership stake for cash.
![A woman meets with her lender to refinance her mortgage.](https://www.bankrate.com/2020/05/13142658/Should_you_refinance_ARM_fixed_rate_mortgage.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
It all depends on how interest rates are trending and how your financials are looking.
![A gray accented suburban home with a double garage](https://www.bankrate.com/2022/07/07104936/GettyImages-157191865.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It could be a shrewd strategy, as long as the costs suit your budget and timeline.
![Couple sitting on a sofa, looking at a laptop](https://www.bankrate.com/brp/2024/08/21132012/should-you-refi-now-or-wait.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates have fallen, but the imminent Fed cut could make them even more favorable for refinancers.
![A woman reviewing documents](https://www.bankrate.com/2023/04/12124827/Homes-Key-mortgage-terms-to-know.jpg?auto=webp&optimize=high&crop=1:1&width=356)
From A(RMs) to V(A loans), the most common words mortgage shoppers should know.
![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/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.
![](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
![Illustrated collage featuring a row of houses](https://www.bankrate.com/2022/10/17121612/Homes_What_are_40_year_mortgages.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A 40-year mortgage comes with lower monthly payments, but higher interest costs.
![couple discussing over financial bills while using laptop at table](https://www.bankrate.com/2022/09/26103336/loss-mitigation.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s what to know about loss mitigation and mortgage relief.
![An exterior of a home and yard](https://www.bankrate.com/2020/07/10093612/Upside_down_underwater_mortgages.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Underwater mortgages can occur during an economic downturn when home values fall.
![A single-family home in Phoenix, Arizona](https://www.bankrate.com/2022/03/01121833/What_is_an_acceleration_clause.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Trust us, you don’t want to trigger it. Here’s why.
![A couple unwrapping/packing boxes in the kitchen](https://www.bankrate.com/2020/07/08121035/getting-mortgage-after-foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Yes, you can own again. But it’ll take patience and a strong financial profile.
![Aerial view of house roofs in suburban neighborhood](https://www.bankrate.com/2023/05/09125343/pandemic-forearance-expiration.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Though the pandemic emergency has ended, mortgage borrowers still have relief options.
![Tensed couple looking over bills](https://www.bankrate.com/2022/08/16115634/mortgage-payoff-before-a-recession.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Owing money on a house can feel risky, but keep in mind where mortgages rank in the debt hierarchy.
![A closeup of a foreclosure sign outside of a home](https://www.bankrate.com/2021/10/25100452/What_is_right_of_redemption.jpg?auto=webp&optimize=high&crop=1:1&width=356)
This legal process could help you keep your home — but it comes with a catch.