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.

Why Starter Homes Are Disappearing

Why Starter Homes Are Disappearing

Why Starter Homes Are Disappearing

There’s been a lot of talk lately about why first-time home buyers are sitting on the sidelines. Here’s some data that may help explain why: Low-cost starter homes are simply disappearing from the market, and the ones that still exist are being gobbled up by investors and turned into rentals at a stunning rate. The... Read More

Millions of Americans Are Spending Half Their Paychecks on Rent

Millions of Americans Are Spending Half Their Paychecks on Rent

Millions of Americans Are Spending Half Their Paychecks on Rent

With home prices rising and many people under 65 shying away from buying a home, renters are finding themselves spending more on that monthly payment than ever before. The recently released annual State of the Nation’s Housing Report from the Joint Center for Housing Studies of Harvard University found the number of renters devoting at least half of... Read More

4 Things to Consider Before Buying That Big Fancy House

4 Things to Consider Before Buying That Big Fancy House

4 Things to Consider Before Buying That Big Fancy House

If you have manageable debt, good credit and the means to afford a down payment, generally speaking, you are in good financial shape. However, buying the big fancy house you may qualify for may not be in your best interest. That’s because the goal is to be able to afford a home while continuing to... Read More

Can Consolidating My Student Loans Help Me Buy a Home?

Can Consolidating My Student Loans Help Me Buy a Home?

Can Consolidating My Student Loans Help Me Buy a Home?

While rising debt levels are partially responsible for a falling homeownership rate in the U.S., there are ways aspiring homeowners can responsibly take on a mortgage while working on paying down other loan balances. For example, a Credit.com reader recently asked us if there’s a way to get approved for a mortgage, despite having education... Read More

It’s Not Just Millennials Who Aren’t Buying Homes

It’s Not Just Millennials Who Aren’t Buying Homes

It’s Not Just Millennials Who Aren’t Buying Homes

You may have heard some buzz recently about first-time home buyers, with millennials sitting on the sidelines instead of jumping into the housing market. Well, it’s not just them. Basically, Americans in every age group under 65 are showing historic reluctance to own homes, according to an email from Ellyn Terry, an economic policy analysis... Read More

Woman Buys Nashville House, But the Seller Won’t Leave

Woman Buys Nashville House, But the Seller Won’t Leave

Woman Buys Nashville House, But the Seller Won’t Leave

When you buy a home, you expect to move into it. Seems pretty straight forward, right? Well, things don’t appear to be working out that way for one Nashville woman. Tamara Holloway closed on her house on June 1 but the seller, Justin McCrory, won’t vacate the property, according to News 2. McCrory told a reporter... Read More

Woman Wears Panda Suit in Real Estate Pictures to Get Home Sold

Woman Wears Panda Suit in Real Estate Pictures to Get Home Sold

Woman Wears Panda Suit in Real Estate Pictures to Get Home Sold

A lot of time and paperwork goes into selling a home. So when Jessica Arnett, co-owner of Villa Real Estate in Texas, decided to draw more eyes to a listing, let’s just say she went above and beyond. Arnett, who’s based in Houston, was fed up with the lack of traffic to one listing in the nearby suburb... Read More

The Money Issue Americans Wish Trump & Clinton Would Talk About

The Money Issue Americans Wish Trump & Clinton Would Talk About

The Money Issue Americans Wish Trump & Clinton Would Talk About

If there’s anything the American public knows about politicians, it’s that they like to talk. We have some particularly chatty people running for president right now, but despite the many topics Donald Trump and Hillary Clinton spend their time discussing, voters think they’re leaving out some important issues. Housing affordability is one of them. More... Read More

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