Mortgages

Our Credit.com experts are here to help you better understand mortgages so that you can make smarter home loan decisions. Find out what you should consider when shopping for a home loan, plus ways to get the best rates & deals. Learn how to approach re-financing, foreclosures and short sales. Understand how mortgage decisions can affect your credit score.

5 Things Every Service Member Needs to Consider before Buying a House

5 Things Every Service Member Needs to Consider before Buying a House

5 Things Every Service Member Needs to Consider before Buying a House

Buying a house is a serious commitment of not only your time and energy but also your money. For each person considering buying a home, there are different pros and cons. When you’re in the military, there is an extra degree of difficulty: you don’t always have a lot of time to make that choice.... Read More

3 Steps to Figure Out How Much Mortgage You Can Afford

3 Steps to Figure Out How Much Mortgage You Can Afford

3 Steps to Figure Out How Much Mortgage You Can Afford

Generally, the amount a lender will allow you to borrow for a mortgage is the amount at which the monthly loan payments (including principal, interest, property taxes, and homeowners insurance) equal no more than 28% of your gross monthly income. If you have excellent credit, some lenders may allow room for leniency. Additionally, your total... Read More

Buying a Home? Ask Your Partner These 4 Questions First

Buying a Home? Ask Your Partner These 4 Questions First

Buying a Home? Ask Your Partner These 4 Questions First

Buying your first home is incredibly exciting, but there’s also more than a little bit of stress that comes with it. A house is a big purchase, and it brings a whole host of new hurdles beyond the initial price tag. If you’ll be purchasing your first house with your significant other, one way to... Read More

The States Most (and Least) Likely to Have Underwater Properties

The States Most (and Least) Likely to Have Underwater Properties

The States Most (and Least) Likely to Have Underwater Properties

More than 5.4 million homes in the United States are “seriously underwater”—meaning the loan amount is 25 percent higher than the property’s market value. But which state has the most (or fewest) underwater homes? Is it yours? Using the ATTOM Data Solutions property database, you can see the top 15 states in the US with... Read More

42 States with the Highest Home Seller Profits

42 States with the Highest Home Seller Profits

42 States with the Highest Home Seller Profits

If you’ve been thinking about selling your home, we’ve got some good news for you. According to RealtyTrac.com, home sellers saw an average price gain of $51,000 in Q2 of 2017. That’s a 26% average return on the previous purchase price. Most homeowners who sold during Q2 this year had owned their home an average... Read More

How Real Estate Agents Use Your Favorite Restaurants to Sell Homes

How Real Estate Agents Use Your Favorite Restaurants to Sell Homes

How Real Estate Agents Use Your Favorite Restaurants to Sell Homes

That pizza place down the street could make or break your home sale. The best real estate agents know how to use your favorite restaurants as evidence of a great neighborhood when they market your home to buyers—helping you get a faster sale and a better price. Top real estate agent George Graham stands behind using... Read More

The 37 Most Profitable Markets for Home Sellers

The 37 Most Profitable Markets for Home Sellers

The 37 Most Profitable Markets for Home Sellers

It’s no surprise that certain areas are more profitable for home sellers than others, but it certainly is surprising which places those are. ATTOM Data Solutions, a property data company, just released its Q2 2017 U.S. Home Sales Report. They examined 118 metropolitan statistical areas with at least 1,000 home sales in the second quarter of... Read More

20 ZIP Codes With the Highest Real Estate Returns

20 ZIP Codes With the Highest Real Estate Returns

20 ZIP Codes With the Highest Real Estate Returns

Your ZIP code is a pretty important piece of an address, especially when it comes to the real estate market. HomeUnion, an online real estate investment management firm, identified zip codes in 20 metros that maximize real estate returns while minimizing risk over a five-year horizon. They examined school quality and neighborhood attractiveness for single-family... Read More

25 Places to Buy a Vacation Home on a Budget

25 Places to Buy a Vacation Home on a Budget

25 Places to Buy a Vacation Home on a Budget

If you’re dreaming of a vacation home but also have a budget to manage, there’s some great news for you. Throughout the U.S., there are plenty of places where a vacation home can be accessible and budget friendly. If you can afford it, these locations are definitely worth looking into for a summer vacation home. Remember,... Read More

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