Every guide we’ve published on buying, financing, refinancing and owning a home in the U.S.
Earnest money shows a seller you're serious. Learn typical amounts, who holds it, how contingencies protect it, and when you could lose it or get it back.
A 5/6 ARM has a fixed rate for five years, then adjusts every six months based on SOFR. Learn how caps, margins and resets work, with a worst-case example.
Compare mortgage Loan Estimates side by side using the right sections: rate, points, lender fees, cash to close and five-year costs. Includes an example.
You can sometimes refinance with a low credit score through FHA Streamline, VA IRRRL or FHA cash-out. See realistic options and steps to improve your odds.
Mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy and foreclosure for FHA, VA, USDA and conventional loans, plus steps to rebuild credit.
An assumable mortgage lets a buyer take over a seller's FHA, VA or USDA loan and rate. Learn how assumptions work, the equity gap, costs and the process.
Who can give you down payment gift money for conventional, FHA, VA and USDA loans, what a gift letter must say, and how to document the transfer.
An FHA 203(k) loan finances a home and its repairs in one mortgage with 3.5% down. Compare Limited and Standard 203(k), eligible repairs, costs and steps.
Seller concessions can cover thousands in closing costs. See the limits for conventional, FHA, VA and USDA loans, how to ask, and how they affect your offer.
A mortgage recast lowers your payment after a lump-sum principal payment while keeping your rate and term. Compare recasting vs. refinancing, fees and rules.
A non-occupant co-borrower, often a parent, can add income to help you qualify for a mortgage. Learn the FHA and conventional rules, risks and alternatives.
If your property tax assessment is too high, an appeal can lower your tax bill and escrow payment. Learn how assessments work, the evidence you need, and the steps.
