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  • House on mortgage Get your paperwork ready before applying for a mortgage

    Here's a checklist of what you'll need and it's extensive — W-2s, pay stubs, bank statements, tax returns, brokerage statements and more. It's never too early to start a file and fill it up.

    February 21st 2018

  • stack of money house pen What you need to know about private mortgage insurance

    If you don't make a 20% down payment, you'll be required to carry private mortgage insurance, or PMI. Although you're the one who must pay monthly premiums for this coverage, it protects the lender, not you.

    February 20th 2018

  • worried couple looking at document 7 mortgage fears that sideline homebuyers

    Would you like to buy a home but worry that you'd never qualify for a mortgage? It's time to stop guessing and evaluate your chances to land a loan based on everything from how much you make to your credit score. Believe it or not, the odds are in your favor.

    February 14th 2018

  • Couple outside a house with a real estate agent Should you lend your kids money to buy a home?

    Lending money to your child is risky business. But if you can avoid the personal pitfalls and convince the federal government that this is really a loan, and not a gift, the Bank of Mom and Dad can be a financial boon for everyone in the family.

    February 13th 2018

  • White house on top of money with current mortgage rates Mortgage rates inch up in February 2018

    Current mortgage rates are higher than they were last February. But home loans are still historically low and a little easier to obtain, too.

    February 9th 2018

  • Hundred dollar bill folded in shape of a house How to save on closing costs

    You’ve scouted out the best mortgage rate and fought hard to get the best price on your new home. But your bargaining shouldn’t stop there. Here's how you can save on everything from settlement fees to title insurance.

    February 8th 2018

  • hand holding a toy house for sale in a bidding war How to win a bidding war

    Existing homes continue to be snapped up at a record pace, and competition remains fierce. That's why buyers need a winning strategy to compete for their dream home.

    February 5th 2018

  • 8 critical questions your Loan Estimate will answer

    Borrowers are receiving a new form called a Loan Estimate after they apply for a mortgage. It explains the key terms, from interest rates to closing costs, and ensures you're getting the home loan your lender promised.

    February 2nd 2018

  • for sale sign in front of a house. 4 smart moves to challenge a home appraisal

    A low estimate causes about 1 in every 10 home sales to fall through each month, agents report. Here's what to do when an appraisal of your home's value seems to miss the mark.

    January 25th 2018

  • Reverse mortgage disadvantages Reverse mortgage disadvantages and advantages

    Can a reverse mortgage help you? Before utilizing it as a tool, take time to thoroughly understand reverse mortgage disadvantages and advantages.

    January 23rd 2018

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