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Mortgage rates are surprisingly affordable with the government backing 90% of loans
Most borrowers with good credit will pay 6% or less. ...
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MORTGAGE FEATURES
News & advice
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Must dos
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Tips
FEATURED STORIES
5 smart moves to get the best rate
Here's what you can do right now to qualify for a cheaper mortgage. And every tenth-of-a-point is worth fighting for.
10 questions your GFE should answer
Use your Good Faith Estimate to make sure you're getting the loan you've been promised and avoid nasty surprises.
Preapproval is a great first step
Before you start looking for a home you approve of, you need to find a lender that approves of you. Here's a step-by-step guide.
How to save on closing costs
Our 5 smart moves will help you spot and reduce unnecessary fees, making your settlement less costly and aggravating.
Down payments are back
With "no down" deals almost impossible to get, buying a home requires some cash. At least 3%. Maybe 20% or more.
How much house can you afford?
Our four simple rules will make sure you can make the monthly payments and weather the recession.
FHA loans can help first-time buyers
If you have little or no money for a down payment, or iffy credit, this could be what you need.
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NECESSARY MUST DOS
Take advantage of more than 2 million empty homes
Whether it's owned by a bank, builder or individual, a vacant home gives you more leverage to pay less and dicker for incentives.
Postpone applying for credit cards
That prompts those potential lenders to check your credit report, which lowers your credit score.
Get three bids for home insurance
Your lender will insist that you have a policy that's paid for, and in effect, when you close on your home purchase.
Get the right rate cap for your ARM
Make sure the payments can't go up too much, too fast, when the interest rate resets on your adjustable-rate mortgage.
Decide what to spend before looking
Without reasonable limits you'll probably buy a pricier home and take out a bigger mortgage than you can comfortably repay.
Refinance before retiring
If you've had your current loan long enough to take a bite out of your principal, this is a way to reduce monthly costs.
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LATEST TIPS
Mortgage rates ease in latest survey
The average conventional 30-year, fixed-rate mortgage now costs 6.33% while the average jumbo loan costs 7.62%.
Threshold for jumbo loans drops Jan. 1
Anyone borrowing more than $625,500 in high-cost cities will need a jumbo loan, down from $729,750 today.
Shopping for a loan won't hurt credit scores
When a number of mortgage lenders ask to see your credit history all at once they're counted as a single inquiry against your FICO score.
Interest gobbles up most of your payment
That's because lenders take the entire interest charge from your monthly mortgage payment and only apply what's left to your balance.
Be cautious when comparing APRs
It favors loans with low interest rates and high fees, which are not the right choice for most buyers.
A couple's lowest credit score counts most
That's the one lenders use to determine whether you qualify for a loan and what interest rate you'll pay.
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MORTGAGE CALCULATORS
Calculators
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Work sheets
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Mortgage calculator
Calculate the monthly payments for any fixed-rate loan. Just enter the amount and terms.
Rent or buy?
Know when to buy your first home by considering all of the costs and tax breaks.
Should you refinance?
That depends on how much you’d save with a new mortgage.
How much must you earn?
Determine the minimum income you’ll need for the mortgage you want.
How much home can you afford?
Figure out how much you can borrow based on how much you make and how much you owe.
Fixed-rate or adjustable-rate mortgage?
Compare monthly payments to find the right type of home loan for you.
ARM calculator
Calculate the payments for any adjustable-rate mortgage. Just enter the amount and terms.
Does a cash-out refi make sense?
See what it would cost to consolidate auto and credit card debt into a new mortgage.
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WORK SHEETS
10 questions for mortgage lenders
Find the best possible loan by getting all the information you need.
Mortgage buying checklist
Keep this complicated process on track right through a successful closing.
Questions to ask about homeowners insurance
The answers will help you get the right coverage and the best possible price.
12 refinancing questions
What to ask potential lenders when you need a new mortgage.
Create a budget
Manage your money more effectively with our easy-to-use work sheets.
Build an emergency fund
Figure out how big your financial cushion should be.
Dealing with debt
Take a comprehensive look at all your bills and develop a plan to pay them off.
Fix credit report mistakes
Use this form letter to dispute errors.
DASHBOARDS - TODAY'S RATES AND TRENDS
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Illinois
Indiana
Iowa
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Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
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Rhode Island
South Carolina
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Vermont
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MORTGAGE REPORTS
FEATURED:
Home prices
How they're changing in 140 cities
First-time buyer
Which mortgage is right for you?
FHA loan limits by county
Maximum loan limits set by FHA
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MORTGAGE Q&A;
FEATURED:
Q.
I was approved for a loan at 6%, but rates went up and now I'm not approved. What happened?
Q.
I have two loans totaling $165,000 on a condo worth $107,000. Do you think I can qualify for Hope for Homeowners?
Q.
We were urged to lock in a 6.5% rate, then a week later rates dropped. We have to pay points to get a lower rate. Do we have recourse?
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National
mortgage rates
11/20/2008 6:51:06 AM
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