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 Ways to Find Extra Money for a Down Payment

5 Ways to Find Extra Money for a Down Payment

5 Ways to Find Extra Money for a Down Payment

In order to buy a home, you need to have a balance of good credit, manageable debt, stable income, and sufficient savings. Maintaining a balance between these four categories is challenging enough on its own, never mind coming up with enough cash to close on your potential new home. If you’re worried about the credit... Read More

50 Ways House Hunters Can Get Ready for Homebuying Season

50 Ways House Hunters Can Get Ready for Homebuying Season

50 Ways House Hunters Can Get Ready for Homebuying Season

Spring will very soon have sprung — which means “For Sale” signs will be in full bloom — and if you’re hoping to buy a home this year, get ready for a competitive market. Thanks to the Federal Reserve’s continuing rate hike teases and some economic improvements, you can expect to run into plenty of other... Read More

Here’s How You Can Control the Cost of Your Mortgage

Here’s How You Can Control the Cost of Your Mortgage

Here’s How You Can Control the Cost of Your Mortgage

Mortgages are not cheap. Closing costs and interest paid over time to your lending bank will make the cost of having a mortgage very pricey over the 15-30 years that you have it. But, when it comes time to get your mortgage, you actually have more control over your loan costs than you think (even... Read More

Do Home Warranties Save You Money?

Do Home Warranties Save You Money?

Do Home Warranties Save You Money?

If you’re in the process of buying a home, or will be in the near future, one of the costs you’re likely considering is a home warranty. But, as this is an optional expense, you have to decide if it will really be worth it to you. “Home warranties [typically] cost between $300 and $700... Read More

Made Home Improvements Last Year? You Could Get a Tax Break

Made Home Improvements Last Year? You Could Get a Tax Break

Made Home Improvements Last Year? You Could Get a Tax Break

If you made any home improvements in 2016, you may be eligible for a tax break or two. Certain home improvements — or certain lines of credit that can be used for home improvements — qualify for a deduction or tax credit from good old Uncle Sam. As you prepare your taxes this year, here... Read More

How to Get Your Credit Ready for Homebuying Season

How to Get Your Credit Ready for Homebuying Season

How to Get Your Credit Ready for Homebuying Season

So you’ve decided you’re ready to purchase a home. But is your credit where it needs to be? If not, then you’ll want to start working to improve it, as your credit helps determine the loans for which you may qualify and your monthly loan payments. We spoke with Joe Parsons, branch manager of Caliber Home Loans in Dublin, California,... Read More

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