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.

2 Strategies for Buying a Home When You’re in Debt

2 Strategies for Buying a Home When You’re in Debt

2 Strategies for Buying a Home When You’re in Debt

Spring is here already. Are you lining up your finances for a home purchase this year? And are you not sure whether to put more money toward paying off other debts or your upcoming down payment? Here’s how to figure out the best strategy to improve your figures. Here are some key questions to ask… Read More

Can I Get a Seller to Pay My Closing Costs?

Can I Get a Seller to Pay My Closing Costs?

Can I Get a Seller to Pay My Closing Costs?

Closing costs are one of the most confusing and misunderstood parts of the homebuying journey. About a third of prospective buyers feel “not very” or “not at all” aware of them, according to a recent survey from real estate data and technology firm ClosingCorp. That can be a problem for buyers who jump into the homebuying… Read More

10 Home Upgrades That May Not Be Worth It

10 Home Upgrades That May Not Be Worth It

10 Home Upgrades That May Not Be Worth It

The economy is reviving, and so is our appetite for spending on home improvements. By 2014, remodeling had nearly returned to the levels of early 2007, when the housing market hit a peak, according to researchers at Hanley Wood, publisher of Remodeling Magazine. They expect remodeling to grow 4% more in 2015. Today is different, though: When you sell a home, you can’t recover… Read More

10 Places Where Home Prices Are Outpacing Wages

10 Places Where Home Prices Are Outpacing Wages

10 Places Where Home Prices Are Outpacing Wages

Home values significantly outpaced wage growth in the majority of markets analyzed in a new report from RealtyTrac, highlighting the difficulty many Americans face in trying to buy a home as the housing market recovers. The report looks at average wage growth data gathered by the Bureau of Labor Statistics and median home sales price… Read More

6 Fees to Look Out for When Buying a Home

6 Fees to Look Out for When Buying a Home

6 Fees to Look Out for When Buying a Home

Let’s cut to the chase. Obtaining a mortgage to buy a home, or to refinance one you already own, is not cheap. No two ways about it, acquiring property is going to cost you some bucks. However, knowing ahead of time what fees lenders charge — including both upfront and later in the transaction —… Read More

The Ultimate Bootcamp for Homebuyers

The Ultimate Bootcamp for Homebuyers

The Ultimate Bootcamp for Homebuyers

Becoming a homeowner is more than a big decision — it’s a journey. And just like you wouldn’t leave for a trip without making sure you’ve packed all your bags, you shouldn’t embark on the road to homeownership without preparing for the possible twists and turns ahead. If you’re looking to purchase a home in the… Read More

Spring Homebuying Season Is Here: What You Need to Know

Spring Homebuying Season Is Here: What You Need to Know

Spring Homebuying Season Is Here: What You Need to Know

When you are in the market to buy a home, it’s a good idea to know at least as much as your competition. Once you decide that you should buy instead of rent and how much home you can truly afford, it’s a good idea to figure out the best time to purchase your future… Read More

Can You Pay Your Mortgage With a Credit Card?

Can You Pay Your Mortgage With a Credit Card?

Can You Pay Your Mortgage With a Credit Card?

You can use a credit card to pay many kinds of bills, and if you have a rewards credit card you pay in full every month, you can use those payments to increase your rewards. It’s a common strategy. Still, just because you have the ability to pay a bill with your credit card doesn’t mean… Read More

How to Sell a Home to a Family Member

How to Sell a Home to a Family Member

How to Sell a Home to a Family Member

Q. I’m getting ready to sell my house, and my sister wants to buy it. It was going to be listed at $425,000. I still want to get as much as I can for it, but I also feel like I should give her a deal. Can you give ideas on some way we can… Read More

A Homebuyer’s Guide to Escrow

A Homebuyer’s Guide to Escrow

A Homebuyer’s Guide to Escrow

Buying a home is likely one of the biggest financial decisions you will make in your life. And it comes with a lot of terms you may not encounter in your everyday life. One of these terms you’ll hear thrown around is “escrow.” But in case you aren’t exactly sure what escrow means or how it… Read More

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