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.

Is the Mortgage Market Reaching a Tech Tipping Point?

Is the Mortgage Market Reaching a Tech Tipping Point?

Is the Mortgage Market Reaching a Tech Tipping Point?

In 2008, the worst financial crisis since the Great Depression hit the world with shocking and reverberating consequences. People lost their homes, their hard earned savings, and many were left with nothing to their names. Though it probably feels like that was yesterday to many of us, that was almost exactly ten years ago. The... Read More

The State of Housing Confidence in 2018

The State of Housing Confidence in 2018

The State of Housing Confidence in 2018

Owning a home was once a time-honored life milestone. Buying real estate was simply what you did as an adult in America, and for many people home ownership was the ultimate indicator of life success and social status. But, times have changed. Today, less people are buying houses. According to Fannie Mae, a mere 24... Read More

4 Reasons Adjustable Rate Mortgages are on the Rise

4 Reasons Adjustable Rate Mortgages are on the Rise

4 Reasons Adjustable Rate Mortgages are on the Rise

When it comes time to take out a mortgage on a property, there are many different types of loans available. From government-backed VA and FHA loans, to conventional fixed-rate 15-, 20-, or 30-year loans, there are lots of options to consider. One avenue you may not have considered — and may have even been warned against... Read More

How to Get a Mortgage With Bad Credit

How to Get a Mortgage With Bad Credit

How to Get a Mortgage With Bad Credit

Article Updated July 17, 2018. While a 20% down payment and a great credit history are commonly recommended for buying a home, there are still ways you can be approved for a mortgage without them. The secret is finding your personal strengths as a potential homebuyer and overcoming your weaknesses. Why do Mortgage Lenders Care So Much... Read More

Do I Need a Cosigner?

Do I Need a Cosigner?

Do I Need a Cosigner?

So you’ve just applied for a new apartment, but the leasing office tells you that you’ll be needing a cosigner in order to sign your lease and move in. Why is this happening? Let’s explore the ins and outs of having a cosigner. What is a Cosigner? A cosigner is a person who has agreed... Read More

Why High Housing Costs Could Unify America

Why High Housing Costs Could Unify America

Why High Housing Costs Could Unify America

It’s hard to argue there are deep divisions between Red and Blue states in America, but one thing seems to be bringing the country together: sky-high real estate prices. Americans are fleeing expensive coastal cities, which tend to vote for Democrats, and migrating to cheaper, smaller places in the middle of the country, which tend... Read More

8 Reasons Millennials Are Choosing Tiny Homes

8 Reasons Millennials Are Choosing Tiny Homes

8 Reasons Millennials Are Choosing Tiny Homes

Millennials get a bad rep. While the internet is busy circulating speculative articles about how the millennial generation is killing off napkins and fabric softener, members of that generation are just trying to scrounge enough money to keep up with increasing housing costs. Tiny homes offer an exciting living option somewhere between renting and buying... Read More

9 Things to Do When Faced with Foreclosure

9 Things to Do When Faced with Foreclosure

9 Things to Do When Faced with Foreclosure

For most of us, foreclosure seems like an abstraction –– like the Boogie Man, or Tooth Fairy.  And yet, foreclosure is a reality that many American families deal with every single day. With a rapidly changing economy and the uncertainty of guaranteed employment or good health, foreclosure can creep up on you at the most... Read More

12 Things to Think About Before Renting a Home

12 Things to Think About Before Renting a Home

12 Things to Think About Before Renting a Home

2018 is an exciting time to be moving. Housing markets across the country are booming and home-finder sites like Padmapper are ablaze with the prospect of the perfect rental. But leasing an apartment is no simple task; whether you’re a seasoned lease or new to the world of renting, here are 12 things to consider... Read More

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