![](https://www.bankrate.com/f/102997/1328x500/fcf6d0713a/header_retirement-senior-living.webp)
Mortgages
Compare mortgage rates locally, evaluate lenders, and utilize our calculators to determine affordable home prices. Access expert guidance and updates.
Explore more
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
Editor's picks
![](https://www.bankrate.com/2024/03/07142651/Loans_FHA-loans-Definition-requirements-and-limits.jpg?auto=webp&optimize=high)
The trusted provider of accurate rates and financial information
News highlights
The latest
![Illustrated collage featuring a house surrounded by greenery](https://www.bankrate.com/2022/12/07163424/Homes_Mortgage_Points_How_Do_They_work.jpg?auto=webp&optimize=high&crop=1:1&width=356)
They let you buy your way into a cheaper loan. But it pays to do a little analysis first.
![](https://www.bankrate.com/2024/03/07142651/Loans_FHA-loans-Definition-requirements-and-limits.jpg?auto=webp&optimize=high&crop=1:1&width=356)
FHA loans can help borrowers with less-than-ideal credit and cash. But they aren’t perfect.
![Illustrated collage featuring an aerial view of suburban homes](https://www.bankrate.com/2023/10/20101427/Homes_Current_and_historical_mortgage_rate_trends_1970s_to_2023.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Today’s mortgage rates aren’t all that different from the rates of years past. Here’s how they compare.
![Women using smart phone to deposit check](https://www.bankrate.com/brp/2024/12/16105000/GettyImages-169944035.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best strategies for saving for a home in a low-interest rate environment.
![defeasance clause - couple shaking hands with bank officer, signed papers on desk](https://www.bankrate.com/2023/02/24134134/defeasance-clause-couple-shaking-hands-with-bank-officer-with-signed-papers-on-desk.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Changes to Fannie Mae’s criteria may open a pathway to homeownership for some buyers.
![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?
![Photo of a family sitting on a couch, the mom lifting a baby](https://www.bankrate.com/2023/12/08113841/Homes_Placeholder_Mortgages.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Even with a pay raise, homeownership has moved further out of reach for younger generations.
![Family moving into home](https://www.bankrate.com/2019/07/03123917/First-time-homebuyer-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Being a novice often feels like a nuisance. However, there are actually perks to being a first-timer.
![An image of a silver SUV against a light screen square on a dark green background.](https://www.bankrate.com/2023/09/06164838/Loans_-How_to_refinance_your_car_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to refinance a car loan and save.
![Close up of woman leaning on her hand while looking at laptop](https://www.bankrate.com/2010/05/18155024/Car-loan-modification-What-it-is-and-how-it-works.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
If you’re worried about making auto loan payments, look into car loan modification.
![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?
![Couple negotiates at an auto dealership](https://www.bankrate.com/2005/04/05184858/How-to-evaluate-an-auto-rebate-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Auto rebates are money-back deals from manufacturers that lower vehicles’ costs.
![Car dealer talking with customers](https://www.bankrate.com/2005/04/07112616/11-car-dealer-tricks-to-avoid.jpg?auto=webp&optimize=high&crop=1:1&width=356)
These car dealership tricks help salespeople maximize their profits.
![](https://www.bankrate.com/brp/2024/12/26102126/Homes-Best-mortgage-lenders-in-December-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for October 2024.
![Suburban house](https://www.bankrate.com/2022/11/29094505/Conforming-loan-limits-2023-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
For much of the U.S., the divide between conforming loans and jumbo mortgages will be $766,550.
![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/brp/2024/12/26102126/Homes-Best-mortgage-lenders-in-December-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for October 2024.
![](https://www.bankrate.com/2024/01/18084817/Homes_Best-First-time-homebuyer-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Our list of lenders best suited to helping out a novice homeowner-to-be.
![](https://www.bankrate.com/2024/01/19115307/Homes_Best-VA-mortgage-lenders-of-January-2024-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A current or veteran military person? Here are the top VA lenders for you.
![](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.
![Suburban house](https://www.bankrate.com/2022/11/29094505/Conforming-loan-limits-2023-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
For much of the U.S., the divide between conforming loans and jumbo mortgages will be $766,550.
![Cellist plays on porch during coronavirus](https://www.bankrate.com/2020/04/23165945/Everything-you-should-know-about-mortgage-forbearance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Answers to borrowers most common mortgage forbearance questions
![Wide shot of a home on the east coast during autumn](https://www.bankrate.com/brp/2024/10/24124415/what-is-a-zombie-mortgage-1208461121687402.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Some seemingly-dead second mortgages are coming back to life demanding payment.
![Senior couple managing finances](https://www.bankrate.com/2020/12/04174333/what-can-creditors-take-in-bankruptcy.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
When filing Chapter 7, you must disclose all assets, but it doesn’t mean you can’t keep some.
![A woman holds a gold ring in front of a jewelry box](https://www.bankrate.com/2008/10/27115359/What-assets-do-I-have-to-list-in-bankruptcy.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
When you’re filing for bankruptcy, disclose all your assets, no matter how trivial.
![The Liberty Bridge stretches across the roaring Reedy River in Greenville, SC, as floodwaters churn below.](https://www.bankrate.com/brp/2024/10/02145202/helene-mortgage-relief.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If Hurricane Helene has affected your ability to pay your mortgage, contact your servicer right away.
![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.