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A warm, friendly, and most importantly unbiased place to learn about mortgages, ideally before you make contact with a real estate agent or lender. The more you know, the better you’ll feel, and hopefully all that hard work will help you snag a lower mortgage rate too! So what are you waiting for? Let's go! View all mortgage help topics to get started or check out the latest mortgage tips and news below.

Latest Posts

How to Pay Off the Mortgage Early

How to Pay Off the Mortgage Early
March 5, 2019 12 Comments »

Timeless mortgage Q&A: “How to pay off the mortgage early?” If you’re looking to pay off your mortgage quickly, now might be an easy time to do so because mortgage interest rates are very attractive. Assuming you’ve had your existing ... Read More »

PITI: What Does a Mortgage Payment Consist Of?

PITI: What Does a Mortgage Payment Consist Of?
March 4, 2019 6 Comments »

More fun and exciting mortgage Q&A: “What does a monthly mortgage payment consist of?” Have you ever been curious what you’re paying each month to live in your shiny new (or possibly dingy old) home or condo? Or how much ... Read More »

loanDepot’s Mello Smartloan Can Shorten Mortgage Closing to Just 8 Days

loanDepot’s Mello Smartloan Can Shorten Mortgage Closing to Just 8 Days
February 21, 2019 No Comments »

In yet another effort to push mortgage lending firmly into the 21st century, loanDepot has debuted its proprietary “mello smartloan” technology, an end-to-end digital mortgage loan intended to cut out the paperwork and lengthy turn times. It should also make ... Read More »

Is the 30-Year Fixed Mortgage Going Extinct?

Is the 30-Year Fixed Mortgage Going Extinct?
February 14, 2019 4 Comments »

It’s that time again when we fret about the viability of the 30-year fixed mortgage. This last occurred in 2014 when Dick Bove warned that the Fed’s tapering of mortgage purchases would mean curtains for the popular loan program. Say ... Read More »

Is the Real Estate Market Going to Crash in 2019?

Is the Real Estate Market Going to Crash in 2019?
February 13, 2019 No Comments »

There have been a lot of unpleasant headlines regarding the state of the real estate market lately. Earlier this week, Redfin noted that only 1 in 8 offers written by their agents faced competition from other prospective home buyers in ... Read More »

What Is a Good Price for a First-Time Home Buyer?

What Is a Good Price for a First-Time Home Buyer?
February 12, 2019 No Comments »

Buying your first home can be pretty nerve-wracking. Regardless of what you pay, whether it seems like a little or a lot, there are going to be some sleepless nights early on. The first time I bought a place, I ... Read More »

Marriage and Mortgage May Not Mix

Marriage and Mortgage May Not Mix
February 4, 2019 No Comments »

So you’re planning on getting married this summer, and you just have to find a perfect house to call your own before that magical day. Or very soon thereafter. There’s no possible way you could continue to live in an ... Read More »

The Cost of Property Taxes and Hazard Insurance

The Cost of Property Taxes and Hazard Insurance
January 29, 2019 2 Comments »

As home prices continue to flirt with record highs nationwide, the cost of property taxes and hazard insurance can be the tipping point. For example, if you purchase a one-million dollar home these days, you can expect to pay around ... Read More »

5/1 ARM vs. the 30-Year Fixed : Pros and Cons

5/1 ARM vs. the 30-Year Fixed : Pros and Cons
January 29, 2019 No Comments »

Here we go again…it’s that special time where I compare two popular home loan programs to see how they stack up against each other. Today’s match-up: “5/1 ARM vs. 30-year fixed.” Everyone has heard of the 30-year fixed-rate mortgage – ... Read More »

How to Pay for Home Renovations: Pros and Cons to Different Methods

How to Pay for Home Renovations: Pros and Cons to Different Methods
January 24, 2019 No Comments »

Most homes require work, even newer ones. And just about everyone knows that home renovation projects aren’t cheap. This is generally the case regardless of whether the job is a small one or a large one. It’s going to cost ... Read More »