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

Buying a home July 3, 2020 - 10 min read

How to buy a house with low income in 2020

You can buy a house with low income if you meet the guidelines for one or more of these mortgage programs. Here’s how to do it.

First-Time Home Buyers June 12, 2020 - 8 min read

FHA for first time home buyers: Why use an FHA loan?

There are plenty low- and no-down payment mortgages. Of all these, though, the FHA loan is the most inclusive and accessible for today’s buyers.

About Mortgages May 28, 2020 - 7 min read

Four ways to negotiate for the lowest mortgage rate

Believe it or not, you can negotiate mortgage rates. But you have to know how to work the lending system. Learn how to negotiate your mortgage rate here.

First-Time Home Buyers April 17, 2020 - 8 min read

First time home buyer down payments start at just 3%

Learn about first time home buyer loans with as little as 3% or even 0% down. Plus, down payment assistance programs that minimize your out of pocket costs.

Buying a home April 3, 2020 - 19 min read

21 first-time home buyer questions, answered

Considering making the jump from renter to homeowner? This first time home buyer guide tells you what you need to know.

Mortgage Rates March 4, 2020 - 10 min read

Can I unlock a mortgage if interest rates drop? Two ways to get a lower rate after you’ve locked

Can you unlock a mortgage if interest rates fall before your closing day? How much commitment does locking a mortgage require from you and your lender?

About Mortgages January 10, 2020 - 19 min read

Guide to mortgage closing costs: Average closing costs and how to keep yours low

Mortgage closing costs are a big part of buying or refinancing a home. Here are the average closing costs for each type, and what you can do to pay as little as possible.

HARP Refinance December 6, 2019 - 7 min read

HARP and FMERR replacement: the Fannie Mae “High LTV Option” (HIRO) for underwater refinance

As the popular HARP program ends, FHFA will roll out a new program that will give more underwater homeowners the chance to refinance.

VA Loans November 29, 2019 - 5 min read

6 reason veterans consider non-VA loans

VA loans are usually the best option for U.S. military veterans, but not always. When to choose another loan type, plus, see today’s mortgage rates.