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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

Cellist plays on porch during coronavirus
Answers to borrowers most common mortgage forbearance questions
A center hall Colonial-style home with trees in front yard
It’s the reason your mortgage lender gets paid back first from your home sale’s proceeds.
Brick home with landscaped front yard
They’re upfront expenses you pay on closing day. And they can mount into the thousands.
Family watering garden in backyard on summer morning
This former tax break for homebuyers has been discontinued. Here are alternatives.
Imagine a mortgage with a fixed interest rate, but a monthly payment that varies.
A single-family home with attached two-car garage
If the deed of reconveyance hasn’t been recorded, don’t panic.
Illustrated collage featuring an image of a house
The seller playing lender can help buyers, but there are risks on both sides.
A person is in their home office calculating their taxes
Cash-out refinances have implications at tax time.
How much home equity do I need for a mortgage refinance?
There are many refinance options based on level of equity.
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.
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.
Cellist plays on porch during coronavirus
Answers to borrowers most common mortgage forbearance questions
couple discussing over financial bills while using laptop at table
Here’s what to know about loss mitigation and mortgage relief.
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.