Wondering how much equity you have in your home? Then you need to know your loan-to-value ratio, or LTV. And if you have two mortgages, it’s your combined LTV, or CLTV for short. Lenders pay close ...

Below is a list of “mortgage help” topics I feel are beneficial to anyone thinking about buying real estate, getting a mortgage, currently going through the mortgage process, or even those who already ...

Each month, Fannie Mae releases a forecast for home prices, sales, and mortgage rates, among other things. Between September’s report and October’s, they raised their estimate for the 30-year fixed a ...

If you’re thinking about selling your home, you might be curious what kind of proceeds you’ll receive. My cost to sell a home calculator can give you a better idea of what you could walk away with. It ...

There are a variety of different types of mortgage lenders out there that originate home loans, from small mom and pop shops that only offer mortgages to institutional, dare I say too-big-to-fail ...

When shopping for a home loan, you may come across the term “risk-based pricing”. It’s a method the mortgage industry uses to measure risk and deliver appropriate interest rates based on a borrower’s ...

If you have an adjustable-rate mortgage, your interest rate may vary from month-to-month, or year-to-year, based on the index associated with your home loan. It is not fixed, like the 30-year fixed ...

One interesting aspect of the home loan process is the sheer number of individuals you’ll work with along the way. You don’t just speak to a salesperson and call it a day. Lots of people are involved ...

As the name implies, “prepaid interest” is money you owe to a bank or mortgage lender that is paid in advance of when it is actually due. In terms of why it needs to be paid before the due date, there ...

For years, I wanted to create a “mortgage rate calculator” that laid out different mortgage rates and corresponding payments to help home buyers and existing homeowners quickly compare rates. This ...

Mortgage rates aren’t so low these days. In fact, they’ve basically doubled since early 2022. While this clearly isn’t great news for aspiring home buyers or those looking to refinance, it has opened ...

It’s that time of the year when I look at what the next year might have in store for mortgage rates. It’s never easy to accurately forecast mortgage rates, and this past year was no exception. The ...