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 Reasons to Call a Real Estate Agent Before Your Vacation

5 Reasons to Call a Real Estate Agent Before Your Vacation

5 Reasons to Call a Real Estate Agent Before Your Vacation

You might be surprised to hear this, but if you want to maximize the benefits of a vacation and minimize your costs, you ought to give a top real estate agent in the area a quick call. Top real estate agents, as local experts, can show you a place the way only longtime residents can... Read More

10 Cities Where Millennials Are Buying Homes (& 10 Where They Aren’t)

10 Cities Where Millennials Are Buying Homes (& 10 Where They Aren’t)

10 Cities Where Millennials Are Buying Homes (& 10 Where They Aren’t)

With staggering student loans, fewer affordable starter homes and lower earnings than the previous generation, young adults own fewer homes than ever. Considering the reputation millennials have in the media for poor financial skills — avocado toast, anyone? — it’s no surprise the millennial generation is very slowly entering the home buying market. Although millennials are... Read More

How to Choose the Low Down Payment Mortgage That’s Right For You

How to Choose the Low Down Payment Mortgage That’s Right For You

How to Choose the Low Down Payment Mortgage That’s Right For You

Low down payment mortgage loans have been around much longer than most people realize. The Federal Housing Administration  loan requiring just 3.5% down reemerged in 2008, but today, loans backed by the government requiring even less down are becoming popular. Here are the different kinds of low-down-payment loans available and what you should know about... Read More

How to Get a Mortgage Without a Full-Time, Permanent Job

How to Get a Mortgage Without a Full-Time, Permanent Job

How to Get a Mortgage Without a Full-Time, Permanent Job

The growing number of gig economy workers in this country may have the freedom to work whenever they want, and sometimes from wherever they want, but when it comes to buying a home, all of that freedom has its price. It turns out employees who have many part-time jobs, hop from one short-term contract or... Read More

Could the Color You Paint the Walls Help Your Home Sell for More?

Could the Color You Paint the Walls Help Your Home Sell for More?

Could the Color You Paint the Walls Help Your Home Sell for More?

From the time of year to the neighborhood, a lot of factors come into play when you’re selling a home. But here’s one variable you might not have considered — color. During open houses and online searches, the colors of your home are constantly working for or against you. That’s according to Zillow, a real estate and rental marketplace, which... Read More

10 States Suffering the Most From Foreclosures

10 States Suffering the Most From Foreclosures

10 States Suffering the Most From Foreclosures

Foreclosures in May were down 19% from the previous year, the 20th straight month of year-over-year declines, according to data released by ATTOM Data Solutions. A total of 81,495 U.S. properties had a foreclosure filing in May, or one in every 1,636 units. Despite the declines, some states continue to struggle with foreclosures, particularly New... Read More

15 Housing Markets With the Most Movers

15 Housing Markets With the Most Movers

15 Housing Markets With the Most Movers

Markets in Colorado and the Carolinas are drawing the most potential home buyers, according to data released Thursday by ATTOM Data Solutions. The property data company analyzed mortgage applications to create its “Pre-Mover Housing Index,” a measure of the proportion of homes likely to sell in a market. The index is based on the ratio of mortgage... Read More

Mortgages Are Bad for the Environment. Here’s What Can You Do About It.

Mortgages Are Bad for the Environment. Here’s What Can You Do About It.

Mortgages Are Bad for the Environment. Here’s What Can You Do About It.

It’s no secret that the mortgage process is paper intensive. But exactly how much paperwork Americans buying homes consume annually may come as a surprise. A report from the mortgage education website FreeandClear revealed that about 2.2 billion sheets of paper are used each year in this country for mortgages. That translates into 264,000 trees... Read More

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