Featured resources

A couple with a real estate agent, potentially engaging in property discussions or viewings.

10-minute read

14 questions to ask a mortgage lender

The best way to pinpoint the right mortgage lender for you is to ask plenty of questions. Read through these 14 essential ones to get you started.

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Couple discussing a CMT loan or adjustable-rate mortgage with a financial advisor.

4-minute read

How the constant maturity Treasury rate affects your mortgage

The Constant Maturity Treasury rate plays a key role in determining adjustable-rate mortgage interest rates. Learn how the CMT rate impacts mortgage payments.

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Husband and wife working on taxes together, indicating financial management or tax preparation.

5-minute read

APR vs. interest rate: What's the difference?

Interest rate and annual percentage rate are terms you’ll often see when comparing mortgages and other loans. Learn the difference between APR and interest rate.

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Same-sex female couple with a broker, potentially representing a diverse couple working with a real estate broker.

3-minute read

What is the NMLS, and how can I get my license?

The Nationwide Mortgage Licensing System, or NMLS, is a database of licensed mortgage loan originators. Learn more about the NMLS and how to get a license.

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A young woman inquiring about or getting a mortgage.

6-minute read

A walk-through on how to apply for a mortgage

The mortgage application process has five important steps. Learn each step of the mortgage process from start to finish for a smooth path to homeownership.

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A women with her daughter holding a cat looking at some information on the laptop.

6-minute read

Fixed- vs. adjustable-rate mortgage: What’s the difference?

While shopping for home loans, you’ll need to decide between a fixed-rate or adjustable-rate mortgage. Learn how they differ, and which is better for you.

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A couple who may have experienced a scam, potentially related to real estate or financial matters.

8-minute read

7 dangerous real estate scams and how to avoid them

Buyers and sellers must take the threat of real estate scams seriously. Here are 7 of the most common fraudulent real estate schemes to watch out for.

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A woman enjoying a cup of coffee while thinking about something.

5-minute read

Adjustable-rate mortgages: The pros and cons

Adjustable-rate mortgages start with lower interest rates that later adjust, affecting your monthly payment. Learn more about the pros and cons of an ARM.

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Exterior view of a gray ranch-style home with a driveway and surrounding greenery.

6-minute read

What is annual percentage rate and how does it work in real estate?

Annual percentage rate (APR) is the rate your loan will accrue interest at over the repayment term. See how APR works on a mortgage and why it’s important.

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The Federal Reserve Bank building.

8-minute read

How the federal funds rate affects mortgage rates

The federal funds rate helps regulate the U.S. economy, but it can also affect mortgage rates. Learn how it can affect you as a home buyer and homeowner.

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A man and two children sharing a heartfelt embrace in a cozy living room.

7-minute read

What is homeowners insurance and how does it work?

Mortgage lenders require homeowners insurance, which reimburses you if your home is damaged or destroyed. Learn how to choose the right policy for your home.

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A couple on a couch with a laptop, potentially engaging in real estate-related activities or discussions.

7-minute read

Why mortgage rates are still rising and how you can still buy in 2025

Wondering why mortgage interest rates are so high in 2025? Learn what’s driving up rates and how smart strategies can help you find a home you can afford.

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Family enjoying a leisure time possibly on a picnic.

6-minute read

Float-down option: Can it lower your mortgage rate?

Want to protect yourself from higher mortgage rates? Read our article to learn all about the float-down option and how it can work with a mortgage rate lock.

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Mother and daughter playing in kitchen of home.

8-minute read

What is Ginnie Mae (GNMA) and how does it work?

Discover how Ginnie Mae guarantees mortgage-backed securities, supports the housing market, and helps make homeownership more affordable.

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A rural cottage nestled in the mountains, suggesting a serene and remote living environment.

5-minute read

Co-borrower vs. co-signer: What's the difference?

If you need help getting a mortgage, a co-borrower or co-signer can bolster your application. Learn more about buying a home with a co-borrower or co-signer.

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A beautiful house with a green front yard.

7-minute read

Do you have an underwater mortgage? Here are your options

You have an underwater mortgage if you owe more than your home is worth. Learn the early indicators and what to do if your mortgage is upside down.

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A white house exterior, illustrating a residential property with a classic design.

4-minute read

How bonds affect mortgage rates

The bond market and the mortgage market are closely connected. Read our article to learn what bond loan interest rates are and how they affect mortgage rates.

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Image of a pensive woman, possibly considering real estate or financial decisions.

8-minute read

How bankruptcy affects your mortgage: A guide

Wondering how bankruptcy affects a mortgage? Learn what happens to a mortgage if you file for bankruptcy and what it could mean for future home loans.

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