Gina Pogol

Gina Pogol, contributor

With more than 10 years in the mortgage industry, and another 10 years writing about it, Gina Pogol brings a wealth of knowledge to The Mortgage Reports as its Associate Editor. Gina works with a team of world-class real estate and finance writers to bring timely and helpful news and advice to the audience. Her specialty is helping consumers understand complex and intimidating topics.

Articles by Gina Pogol

- 3 min read

Can you buy a new manufactured home with a USDA home loan?

You can buy a new manufactured home with a USDA mortgage if you and the property meet the USDA’s guidelines. Here’s what you need to know about qualifying for a loan and buying an eligible home.

- 5 min read

Getting a loan on a manufactured home

Manufactured home loans are a bit tougher to find in today’s market. But they do exist, and financing terms might be simpler than you imagine.

- 4 min read

Do I need an appraisal to refinance my home?

Do you need a home appraisal to refinance your mortgage? Not necessarily. Here’s what you need to know about conforming, USDA, FHA and VA refinances without an appraisal.

- 4 min read

Negotiating a better mortgage rate for your home

Mortgage laws have changed which makes it harder to pit lenders against one another. When you’re looking for a better mortgage rate, how do you find it?

- 5 min read

First-time home buyers guide: What is an FHA mortgage?

First-time home buyers have access to a myriad of low- and zero-down payment mortgage loans. Of all the available loan programs, though, the FHA loan is the most inclusive and accessible for today’s buyers.

- 3 min read

Should you get a mortgage from a credit union?

Your credit union might offer a good deal on a mortgage when you buy or refinance. Or not. Here’s what you need to know about credit union mortgages, and how to get the lowest rate no matter who provides your financing.

- 5 min read

Mortgage with a Chapter 13 bankruptcy

You can qualify for a mortgage with a chapter 13 bankruptcy in your recent past. Even if you’re still in bankruptcy in some cases. Here’s how.