HELOCJanuary 9, 2026
Using a HELOC to Pay Off Credit Cards: When Does It Work?
Is HELOC debt consolidation the right way to pay off credit cards? Compare the benefits of lower rates with the risks of putting your home on the line.
Articles by Aly J. Yale
Home EquityJanuary 2, 2026How to Use Home Equity to Your Advantage
Many U.S. homeowners are equity-rich. As home values rise, so do equity levels. Learn how to use home equity to your advantage.
First-Time Home BuyersJanuary 2, 2026Best First-Time Home Buyer Loans of 2026
Searching for the best first-time home buyer loans? Learn about loan programs that offer low down payments and great benefits.
Mortgage NewsNovember 13, 202550-Year Mortgages: A New Era in Housing Affordability or a Risky Bet?
Could 50-year mortgages make homes more affordable—or just costlier in the long run? Explore how this loan could impact homebuyers and the housing market.
First-Time Home BuyersMarch 27, 2024Buying Your First Home Could Mean a Lower Tax Bill Soon
President Biden's State of the Union Address introduces the eagerly anticipated $10,000 First-Time Home Buyer Tax Credit.
Real Estate NewsFebruary 20, 2024Why 46% of Recent Mortgage Borrowers Should Think About a Refinance This Year
Are you a recent homeowner? Find out why 2024 could be the perfect year to refinance your mortgage.
Real Estate NewsFebruary 6, 2024Are Falling Mortgage Rates Enough to Get Homeowners Off the Sidelines?
Mortgage rates have fallen substantially since last fall. But are they appealing enough to bring borrowers back to the market?
Real Estate NewsJanuary 18, 2024More People Think Mortgage Rates Are Going to Fall — How Likely Is It?
Explore the rising optimism among consumers as a record-high number expects mortgage rates to fall in the next 12 months.
First-Time Home BuyersSeptember 22, 2023Can I buy a house without a 2-year job history? (Podcast)
You typically need a two-year job history to buy a house. But there are exceptions to that rule. Learn how to buy a house without a two-year job history.
Buying a homeJanuary 26, 2023Can you buy a house with credit card debt? (Podcast)
You can still qualify for a mortgage and buy a house with credit card debt. However, paying it off first can help you get there sooner.
Buying a homeJanuary 4, 2023Should you buy the most expensive house you can afford? (Podcast)
It's tempting to max out your preapproved home buying budget. But experts warn against buying the most expensive house you can. Here's why.
Mortgage StrategyDecember 1, 2022When should I start shopping for a mortgage lender? (Podcast)
Most home buyers know to shop around for their mortgage lender. But timing your shopping? That’s a different story.
Mortgage RatesNovember 9, 2022When should you shop for mortgage rates as a home buyer?
Shopping for mortgage rates is key to getting an affordable loan. But when in the home buying process do you start rate shopping?
Mortgage NewsNovember 1, 2022FHFA cuts upfront mortgage fees for about 1 in 5 home buyers
The FHFA is eliminating risk-based loan fees for many first-time home buyers. Here's what it might mean for you.
Mortgage NewsOctober 24, 2022New Freddie Mac rule makes it easier to buy a house in 2022
A new Freddie Mac rule in 2022 could make it easier for many home buyers to qualify for a mortgage. Here's how.
Real Estate NewsJune 29, 2022Why rate hikes could be good news for home buyers (Podcast)
Mortgage rates are rising. But one expert says that in some ways, that could be good news for home buyers. Here's why.
Real Estate NewsMay 2, 2022How will inflation affect the housing market in 2022? (Podcast)
Rising inflation will impact home buyers and homeowners alike, but don't expect a crash. Here's how inflation is affecting housing in 2022.
Real Estate NewsApril 18, 2022Housing market predictions for late-2022 (Podcast)
Home prices aren't expected to drop in 2022. But price gains should slow down. Learn more on The Mortgage Reports Podcast.
Buying a homeApril 12, 2022How to beat an all-cash offer on a house: 7 Strategies
More buyers are making cash offers in today's market. As a home buyer using a mortgage loan, how do you compete? Here are 7 strategies to help you win.
Real Estate NewsApril 4, 2022Is 2022 a good time to buy a house? Will 2023 be better?
Is 2022 a good time to buy a house? Will 2023 be better? Hear what a seasoned mortgage expert has to say on the subject.
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