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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.

Two story tan house with green front yard in California.

8-minute read

How much should you spend on a house?

Wondering how much you should spend on a house as you begin the home buying process? Learn what your budget should be based on your income and expenses.

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.

Businessman Shaking Hands Across Table With Client

6-minute read

How to find a real estate agent: A complete guide

Whether you’re buying or selling a home, the help of an experienced real estate agent can be essential. Learn how to find an agent who can help you succeed.

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.

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.

A woman enjoying with her child on the balcony.

6-minute read

USDA vs. conventional loans: What's the difference?

To help determine the best mortgage solution for you, we've created a comprehensive guide that compares the pros and cons of USDA vs. conventional loans.

A row of residential houses, showcasing a neighborhood or housing development.

4-minute read

Absorption rate: What is it and how to calculate it

The absorption rate measures how quickly homes are selling in a specific area. Learn how the absorption rate can help you know when to buy or sell a home.

A real estate agent showing a family a house.

6-minute read

Buyer agency agreement: Definition and explanation

A buyer agency agreement outlines the terms of a partnership between a home buyer and a real estate agent. Learn about the types and terms of these agreements.

A depiction of a landlord and tenants, possibly representing property management or rental scenarios.

8-minute read

Buying a house with tenants: A guide

Buying a house with tenants means earning income and assuming responsibility for maintaining it immediately. Find out what it means to buy a house with tenants.

Woman in kitchen, drying dishes and smiling.

8-minute read

When should I refinance my mortgage?

Wondering if and when you should refinance your mortgage? Refinancing can be a smart move for certain homeowners depending on a few key factors.

A man cleaning mold in the ceiling, potentially related to home maintenance or repair.

7-minute read

Buying a house with mold: What you need to know

Finding out a home has mold doesn’t have to be a dealbreaker. Learn how mold can affect your health and property and the steps you can take to manage it.

Individuals at a bank discussing a loan or financial matter.

6-minute read

A complete guide to short-term mortgages

Want to be mortgage-free sooner? Discover how short-term home loans can help you save thousands and pay off your home faster.

A couple signing final real estate documents, marking the completion of a property transaction.

4-minute read

Fannie Mae vs. Freddie Mac: What’s the difference?

Fannie Mae and Freddie Mac buy conforming loans from lenders to make sure they have enough cash to keep writing loans. Learn how they’re similar and different.

Real estate agent pointing to listings on tablet as he discusses options with hopeful couple seeking to purchase a home.

4-minute read

What is the multiple listing service (MLS)?

Multiple listing services (MLS) in real estate are tools REALTORS^® use to view and share property listings. Learn how MLSs can benefit you in this guide.

An olive colored one storey house with blue sky background.

5-minute read

How are VA loan interest rates determined?

VA loans offer military personnel, veterans, and their eligible spouses lower interest rates when buying a home. Learn more about how VA loan rates are set.

5-minute read

First-time home buyer qualifications: What to know

First-time home buyers should learn what lenders require to get a mortgage as well as the resources available to help making buying a home more affordable.

Neighborhood development, possibly illustrating a newly constructed residential area.

4-minute read

What are zoning laws and how do they work?

Zoning laws dictate how a property can or cannot be used within a certain geographical area. Learn about common types of zoning laws and how they work.

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