Erik J. Martin, contributor

Will mortgage rates go down in 2023? Experts are split on how high rates could go next year. See their 2023 mortgage rate predictions here.

First-time home buyer government programs include special loan options, down payment assistance, and homebuyer education. Learn more here.

It's possible to get a HELOC on an investment property. But fewer lenders offer them and the rules are a little different. Learn more here.

Buying a house after bankruptcy is possible, but most buyers have a waiting period after Chapter 7 bankruptcy to get a home loan.

Here are nine ways to lower your mortgage payment and save money from month to month — with or without refinancing.

When it comes to VA loans vs. conventional loans, it's often an easy choice: VA, if you're eligible. But your situation could be different.

Most mortgage lenders consider 43% or lower to be a good debt-to-income ratio. But a higher DTI may be OK, too. Here's what you should know.

A second mortgage lets you cash out home equity without refinancing. Learn about second mortgage options and how they work.

HELOCs and cash-out refinancing both tap your home equity, but they work very differently. Explore HELOC vs. cash-out refinance pros and cons.