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.
Buying a home
April 3, 2020
- 19 min read
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
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.
About Mortgages
November 22, 2019
- 6 min read
How to negotiate a better mortgage rate for your home loan
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.
Mortgage Rates
October 25, 2019
- 3 min read
The 10 factors that affect your mortgage rate (and what to do about them)
What determines the mortgage rate you’re offered by lenders? A lot. You have control over some of these factors. Here’s how to get the best rate you can.
Mortgage Rates
October 24, 2019
- 10 min read
Investment and rental property mortgage rates: How much more will you pay? [VIDEO + FAQ]
Investment property mortgage rates are higher than those of primary residences. They are also harder to get. There are ways to pay less for your home loan, though.
Mortgage Products
October 21, 2019
- 4 min read
Buy A Home With Less Than 10 Percent Down
Most people still think you need at least ten percent down to buy a home, according to the NAR. That’s just not true. You can buy with zero, three, 3.5 or five percent down with many products.