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.

The Lenders Giving Borrowers Second Chance Loans

The Lenders Giving Borrowers Second Chance Loans

The Lenders Giving Borrowers Second Chance Loans

Brenda Woods didn’t want to move and leave the garden she had tended for 40 years. But the roof was falling in. And her bank wouldn’t give her and her husband Larry a loan to buy a replacement home. Brenda’s still tending her garden, though, thanks to a second-chance loan from the New Hampshire Community... Read More

5 Steps to Buying a Home After Bankruptcy

5 Steps to Buying a Home After Bankruptcy

5 Steps to Buying a Home After Bankruptcy

If you’re one of the millions of Americans who have declared bankruptcy, financial recovery can seem like a pipe dream. But don’t give up. According to a study by the Consumer Financial Protection Bureau, people’s credit scores increased steadily after filing for bankruptcy. While any credit improvement is good news, is it enough to offer... Read More

How Much Cash Do You Really Need to Buy a Home?

How Much Cash Do You Really Need to Buy a Home?

How Much Cash Do You Really Need to Buy a Home?

Are you ready to buy a home? You’re not alone—in 2019, more than five million people bought an existing home. And that doesn’t even include the number of people who purchased new construction. The point is, the housing market is always bustling and busy. And if it’s your first time buying a home, it might seem a... Read More

How Much Money Do You Need to Buy a House?

How Much Money Do You Need to Buy a House?

How Much Money Do You Need to Buy a House?

According to the U.S. Census Bureau, the median sales price of new homes in May 2020 was around $317,000. Even if you’re purchasing a home that falls well below that average, chances are it’s one of the most expensive things you’ll ever buy. With such a big expense, you might be wondering—how much do you... Read More

How to Explain a Cash Deposit for a Mortgage

How to Explain a Cash Deposit for a Mortgage

How to Explain a Cash Deposit for a Mortgage

After months of searching, planning and saving, you’re finally ready to apply for a mortgage. You think you have all your ducks in a row—you have great credit and a killer history of making your loan payments on time. But there’s one small hiccup. A lender noticed that you’ve had a recent, slightly unusual cash... Read More

How to Find a House: Try These 6 Top House Hunting Websites

How to Find a House: Try These 6 Top House Hunting Websites

How to Find a House: Try These 6 Top House Hunting Websites

Buying a home is a big commitment—financially and in other ways. Searching for that home can be stressful in the best of times. During emergency times, such as the 2020 COVID-19 pandemic, your options for house hunting might even be more limited than normal. Find out how to find a house online, and check out... Read More

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