The vast majority of home buyers don't pay cash for the entirety of the property, but take out a loan from a bank or other institutional lender. Find out how to research options and qualify for the best available home mortgage.
How to Quickly Improve Credit Score Before Applying for Home Mortgage
Don't wait until the last minute to make sure your credit score is as high as it can be.
Five Reasons to Make a Large Down Payment
If you can go higher than 20%, there are some excellent reasons to do so.
Five Steps You Need to Take When You Apply for a Mortgage
A systematic breakdown of the key tasks involved in obtaining a home mortgage loan.
How to Choose and Work With a Mortgage Broker
Learn how a mortgage broker can help you find the best loan for the house you want to buy.
Fixed Rate vs. Adjustable Rate Mortgages
Which is better in the current real estate market?
Home Buyers: What You Can Learn From the Truth-In-Lending Disclosure
How the TILA will help you figure out exactly what to expect in the way of immediate and long-term loan costs.
Home Buyers: What You Can Learn From the Good Faith Estimate (GFE)
How the GFE helps you compare the costs and benefits of the available loan products before choosing.
How to Arrange a Home Loan from Mom and Dad
Do your homework before asking family or friends for financial help buying a house.
Is special paperwork required for money gifted towards buying a home?
How to prepare paperwork to use the money gifted from mom and dad to buy a house.
Sample Gift Letter
Your bank needs a written letter to prove that the money gifted is in fact a gift, not a loan.
Over 60 and Buying a House: Should I Borrow or Pay All Cash?
Borrowing to buy a home involves risk at any age, but the risk is magnified when one is close to retirement. That’s why determining the right amount of risk for you is key.
Mortgage Rate Locks: How They Work
Making sure the mortgage you want will still be there for you at the home's closing.
I couldn't get a mortgage: Can I get my earnest money back?
Check your purchase contract for contingencies and deadlines affecting whether inability to obtain a loan and close on the purchase also means losing your earnest money to the seller.