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.

What You Should Know About Mortgage Paperwork

What You Should Know About Mortgage Paperwork

What You Should Know About Mortgage Paperwork

Getting a mortgage is every bit as arduous as you might think. While lax mortgage lending standards helped pave the path to the financial crisis a few years ago the pendulum has swung so far the other way in 2017 that getting as simple as a 30-year fixed rate loan is incredibly complex given the... Read More

When You Can’t Pay All Cash: Secrets for Winning a Bidding War in 2017

When You Can’t Pay All Cash: Secrets for Winning a Bidding War in 2017

When You Can’t Pay All Cash: Secrets for Winning a Bidding War in 2017

Let’s face it. The 2017 housing market hasn’t been easy for the typical homebuyer. The number of homes for sale has fallen year-over-year for 17 months straight, and with historically low mortgage rates beginning an upward ascent, there’s more demand from homebuyers than we’ve seen in at least four years. The results are bidding wars and... Read More

3 Easy Ways to Pay Off Your Mortgage Faster

3 Easy Ways to Pay Off Your Mortgage Faster

3 Easy Ways to Pay Off Your Mortgage Faster

As long as you’re alive, you have to live somewhere and, generally speaking, you have two options: Rent an apartment (or a home) and line your landlord’s pocket; or buy a home, and over time, hopefully line your own. This premise is one of David Bach’s most important messages. The author of the New York... Read More

Is a 50-Year Mortgage a Good Move?

Is a 50-Year Mortgage a Good Move?

Is a 50-Year Mortgage a Good Move?

Are you looking to afford a new mortgage? A 50-year mortgage may be an option, but here are some things to consider when looking at a long mortgage term. These loans are not bought and sold by Fannie Mae or Freddie Mac. They are smaller banks and portfolio lenders that offer unique financing and, as... Read More

How to Find a Starter Home in a Hot Housing Market

How to Find a Starter Home in a Hot Housing Market

How to Find a Starter Home in a Hot Housing Market

An overheated real estate market is never good news for buyers in search of a budget-friendly starter home. But thanks to increased confidence in the economy, leading more people to make large purchases like new homes, that’s exactly the type of real estate market 2017 is ushering in. According to a recent report from the... Read More

8 Questions to Ask Yourself When Deciding to Rent or Buy a House

8 Questions to Ask Yourself When Deciding to Rent or Buy a House

8 Questions to Ask Yourself When Deciding to Rent or Buy a House

If you’re at the age when your peers are making major life moves — getting married, having kids and buying homes – you might be feeling it’s time to join them. Or you may simply just be at that stage all on your own. Either way, plenty of young adults are starting to get the... Read More

Freelancers: Here’s What You Need to Know About Getting a Mortgage

Freelancers: Here’s What You Need to Know About Getting a Mortgage

Freelancers: Here’s What You Need to Know About Getting a Mortgage

When my husband (then fiancé) and I began preparing to purchase our first home, I was a burden. I know what you’re thinking — my writing career as a freelancer simply must not have been generating enough money to allow me to contribute, and I needed to ride on the coattails of my fiancé’s full-time... Read More

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