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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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The latest
![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.
![couple unpacking boxes together](https://www.bankrate.com/2023/12/04163715/What-is-the-25000-Downpayment-Toward-Equity-Act.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Learn more about a proposed $25,000 grant for first-time homebuyers.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in Tennessee.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in South Dakota.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in South Carolina.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in Rhode Island.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in Pennsylvania.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Buying a home in Oregon? Find the 2024 Oregon conforming and FHA loan limits by county below. Bankrate compiled the conforming loan limits data from Federal Housing Finance Agency and the FHA loan limits [...]
![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.