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Mortgages

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Mortgage basics

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With interest rates rising, shopping around is more important than ever.
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Being a novice often feels like a nuisance. However, there are actually perks to being a first-timer.
A comprehensive list to help you find the right financing tool for your dream home.

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The latest

Senior couple looking at a laptop
Here’s what to consider before paring down your home.
A single-family one-story home in Los Angeles, California
You may not recognize their name, but they might have a better deal for you.
A single-family Colonial-style home
Just because these generous loans let you tap all of your home equity doesn’t mean you should.
Does refinancing affect property taxes?
No, there won’t be an immediate impact. But there are some things to watch out for.
What are mortgage lenders?
Not all lenders are alike. Here’s how to distinguish them, and why it matters for your mortgage.
Illustrated collage of: A hand holding a pencil with a house made of money
It’s the fun part, when you get your money. But you have to be ready when it ends.
They’re a financial cushion to meet your monthly payments. But what makes them mandatory?
A bank representative helps a customer with buying a home.
Providing proof of funds is usually a requirement of the homebuying process.
The exterior of a single-family home with dormers and yard
Yes, it can ding it, sometimes dramatically. But there are ways to minimize the drop.
Soldier in uniform coming home and his family
If you qualify, a VA refinance can be a great way to snag a low rate.
Illustrated image with a man and a dog
How to calculate if the costs outweigh the benefits.
Homebuyers with their real estate agent tour a listing.
It means you need to have money on hand to get a mortgage. And like fine wine — the longer, the better.
Tire swing hanging on a tree at a house
It’s an easy way to swap out your FHA loan — provided you qualify.
A contractor installs backsplash in a kitchen
A VA cash-out refinance can help you save money, but it isn’t free.
How to refinance a house you’re renting out
No, it’s not exactly the same as refinancing your home’s mortgage.
A couple speaks with a financial advisor.
You need to crunch numbers to see if a refi makes sense.
Here are the best mortgage lenders for May 2025.
When it comes to these easier-to-qualify-for loans, these lenders are tops.
Here is Bankrate’s guide to the best 203(k) rehab mortgage lenders.
Here are some of the best bad credit mortgage lenders in 2025.
Here are some of the best mortgage refinance lenders in 2025.
Our list of lenders best suited to helping out a novice homeowner-to-be.
Illustrated image featuring a house
Bankrate’s guide to finding the best reverse mortgage lender for you
OK with doing your loan digitally? These mortgage companies are the tops.
An exterior of a home and yard
Underwater mortgages can occur during an economic downturn when home values fall.
Foreclosed home
Here are strategies for avoiding foreclosure if you have trouble making house payments.
A single-story home with lawn and front path
First off, the mortgage still needs to be repaid — whatever your ultimate plans for the home.
A closeup of a foreclosure sign outside of a home
This legal process could help you keep your home — but it comes with a catch.
Man on his laptop at night
Skipping mortgage payments isn’t free, unfortunately. Here’s how to get even again.
A single-family home in Phoenix, Arizona
Trust us, you don’t want to trigger it. Here’s why.
Illustrated collage featuring a row of houses
A 40-year mortgage comes with lower monthly payments, but higher interest costs.
A group of homes in a neighborhood
A deed in lieu is generally a last resort by a homeowner to avoid foreclosure.