![](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
![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)
The trusted provider of accurate rates and financial information
News highlights
The latest
![Illustrated collage featuring a house with money pouring from the front door](https://www.bankrate.com/2022/12/22122345/Homes-Considerations-for-not-tapping-into-your-home-equity.jpg?auto=webp&optimize=high&crop=1:1&width=356)
For one thing, you could lose your home if things go south.
![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.
![Woman standing on the porch of a beach property](https://www.bankrate.com/2022/08/10123905/investment-property-statistics.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the latest investment and rental property statistics.
![](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates rose slightly this week, but remain firmly under 7 percent.
![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.
![Mother holding two children](https://www.bankrate.com/2023/10/22103016/Homes_What_percentage_of_income_should_go_to_a_mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
There are at least two schools of thought on how much it should be.
![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.
![](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates rose slightly this week, but remain firmly under 7 percent.
![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.
![Illustrated image with a man and a dog](https://www.bankrate.com/2023/02/07094813/BR_Banking_Refinancing_a_home_equity_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How to calculate if the costs outweigh the benefits.
![A house with a fenced-in yard](https://www.bankrate.com/2020/07/01094355/What_is_prepayment_penalty.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s basically a fee to stop you from settling your mortgage early.
![](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 neighborhood of single-family homes in Nevada.](https://www.bankrate.com/2020/07/31094556/How_many_payments_miss_before_foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s not the end if you miss just one. But don’t make a habit of it.
![A woman sitting on a porch looking at a laptop](https://www.bankrate.com/brp/2023/11/23091205/Homes-What-to-do-when-your-mortgage-forbearance-period-ends.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are options if your mortgage forbearance plan is expiring.
![Homebuyers sign mortgage documents](https://www.bankrate.com/2021/05/20113423/What_is_a-_first-mortgage_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s what we think of when we think “mortgage”: a big loan used to buy a home.
![A single-family home with attached garage and two cars in the driveway](https://www.bankrate.com/2021/06/17104959/How_many_names_can_be_on_a_mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Up to four, usually. But it’s complicated.
![House in the woods](https://www.bankrate.com/2018/03/02141531/5-common-mistakes-homebuyers-make-in-a-short-sale.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It can get a homeowner out of a jam and a buyer a good deal. But it’s tough to pull off.
![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
![](https://www.bankrate.com/2021/04/05160656/How-to-choose-the-right-mortgage-modification-strategy.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you can’t pay your mortgage, you may be able to have it modified. Here’s what to look for.
![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.