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Last quarter, not a single bank tightened its prime residential mortgage guidelines. The economy is looking up, and so are mortgage rates.
There's a prescribed method for giving and receiving cash gifts for downpayments for a home. You can't just deposit the money into your bank account. If you do, your lender may reject the funds.
ARM mortgage rates are low. It's now 1/2 percent cheaper to refinance into a new ARM rather than letting your existing ARM adjust to the market. That hasn't happened in years.
These days, different lenders apply different underwriting standards. A home loan that's denied by one bank may be approved by another. Here's how to re-apply.
A pending mortgage policy change threatens to end zero closing costs mortgages for good. The end of "no fee" mortgages may be here sooner than you think.
The Payroll Tax Extension raises mortgage costs. For conforming mortgages, it's +1/8% to rate. For FHA, PMI premiums are rising. Beat the "loan tax". Lock your rate ASAP.
Start that mortgage application! The government is financing its 2012 Payroll Tax Extension via new, mandatory mortgage fees. You'll get lower mortgage payments on your upcoming purchase or refinance by applying for your loan today.
Record-low mortgage rates draw refinancing households away from 30-year fixed-rate mortgages into shorter-term products such as the 15-year fixed-rate mortgage.
Mortgage rates are very low right now. Amortization schedules will never be in your favor like this again. Take advantage.
If you've ever thought of using a 15-year fixed-rate mortgage, talk to your lender. Mortgage rates are rock-bottom and there's a lot to gain from "going 15".
There is a big advantage to "going FHA" these days -- especially if you're making a low downpayment purchase. FHA mortgage rates are lower than they've ever been as compared to conventional ones, and FHA mortgage insurance rates have yet to rise.
Today's refinancing homeowners can lower long-term mortgage costs by one-fifth -- enough to pay for a college education, in some cases.
As programs like HARP II and the FHA Streamline Refinance break down refinance barriers, big banks are raising minimum mortgage standards. Mortgage rates are the lowest in history right now but fewer applicants qualify.
Cash-in mortgages are in demand, but are they right for you? Check your alternatives first including FHA Streamline Refinance, HARP II, and the jumbo market.
Most people know that low FICO scores influence the mortgage rates for which they're eligible. For the past 3 years, though, they've raised closing costs, too.
If you have an adjusting ARM, you've been lucky -- it's been adjusting lower for the past few years. Unfortunately, that's about to change
It's easy to feel overwhelmed by the numbers on a Good Faith Estimate. In fact, some lenders count on it. Here's how to beat the banks at their own game.
The loan-level pricing adjustment (LLPA) system contains more than a dozen "risk characteristics". Here's how they work, complete with an online LLPA calculator.
In mortgages, nothing's done until it's done. Here are 8 things you should absolutely not do between application and funding. Ignore them at your own peril.
With a 15-year fixed rate loan, you can save $47,000 per $100,000 borrowed. And, at today's rates, the payments aren't even so bad.
