Barbara Ballinger, contributor

Barbara Ballinger is a freelance journalist and former senior editor for the National Association of REALTORS®. She has co-authored 15 books, interviewed Martha Stewart, and appeared on the Oprah Winfrey Show as a home remodeling expert.

Articles by Barbara Ballinger

RefinanceJuly 3, 2025
Can You Refinance With No Income Verification in 2025?
No income verification refinance loans are a thing of the past. But current refi programs and non-QM loans may be able to help you.
Conventional LoansJanuary 9, 2025
Conventional Loan Requirements for 2025
Should you use a conventional loan? Learn about conventional mortgage rates and requirements and find out if you qualify for one.
Buying a homeSeptember 12, 2018
No, you don’t need 20 percent down or even close to it
Down payment notions from decades past no longer apply. Home buyers have access to new options that are changing the way people finance homes.
FHA Home BuyingSeptember 5, 2017
Is the FHA mortgage your best home loan?
An FHA mortgage might be your best route to homeownership. Today, however, FHA loans face competition from other products, and one of them might be a better fit for you.
USDA LoansMarch 1, 2017
USDA Home Loans: Zero-Down Mortgages For Rural And Suburban Buyers
USDA home loans for rural home buyers are zero-down mortgages with flexible underwriting. Even buyers who have been turned down for other programs might qualify.
Mortgage StrategyFebruary 8, 2017
Shop Mortgage Brokers For Lower Rates, More Loan Options
A mortgage broker can give you access to a wide array of lending options. Choosing the right broker is the first step to tapping into these benefits.

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