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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.
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![Backyard of family home](https://www.bankrate.com/2018/06/08133946/hard-money-lenders-the-source-for-last-resort-loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
These loans appeal to house flippers or those with unusual situations.
![Two people drinking a hot beverage](https://www.bankrate.com/brp/2024/01/21111354/Homes-Secondary-mortgage-market-What-it-is-and-how-it-works.jpg?auto=webp&optimize=high&crop=1:1&width=356)
As a homeowner, you don’t know it, but it affects who may actually own your home loan.
![Illustrated collage featuring people working together to paint a house](https://www.bankrate.com/2023/05/06141457/Homes_Mortgages_and_loans_to_pay_for_home_renovations.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Financial tools to make that project happen — provided you pick the right one for your needs.
![Three people discussing homeownership options](https://www.bankrate.com/2022/06/23163839/GettyImages-636151304.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It can be fast, easy money — but it comes with caveats.
![A single-family home with attached two-car garage](https://www.bankrate.com/2021/05/27153050/Deed_of_reconveyance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If the deed of reconveyance hasn’t been recorded, don’t panic just yet.
![A bungalow-style home in Portland, Oregon](https://www.bankrate.com/2021/01/05092706/Student_loan_guidelines_mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how student loans typically factor into getting a mortgage.
![How to save for a down payment](https://www.bankrate.com/2020/03/25143347/GettyImages-1096126904.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Saving the big chunk of cash you’ll need upfront can be tough. These tactics help.
![USA, Florida, Miami, Aerial view ofsuburban neighborhood in summer](https://www.bankrate.com/brp/2024/05/20083447/what-is-the-lock-in-effect.png?auto=webp&optimize=high&crop=1:1&width=356)
Homeowners are staying on the sidelines of the housing market, biding their time.
![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
![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.
![](https://www.bankrate.com/2020/12/21145642/GettyImages-83802508.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discount real estate brokers cut their commissions. Do they axe services too?
![The exterior of a two-story single-family home with attached garage and driveway](https://www.bankrate.com/2021/08/23112215/Flex_Modification_what_to_know.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you’re behind on your mortgage, a Flex Modification might be able to help.
![Foreclosed home](https://www.bankrate.com/2019/04/24134937/Missing-your-mortgage-payments-heres-how-to-avoid-foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are strategies for avoiding foreclosure if you have trouble making house payments.
![Couple reviewing bills, managing finances](https://www.bankrate.com/2022/05/14121006/how-to-refinance-an-underwater-mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Even if you owe more than your home is worth, there are options to refinance.
![](https://www.bankrate.com/2022/08/24112530/what-is-mortgage-forbearance-agreement.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Borrowers can request forbearance when there’s a change in their financial situation.
![A single-story home with yard and driveway](https://www.bankrate.com/2020/09/03103621/What_is_preforeclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s the first step on the road to losing your home. So avoid it.