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A man and women unboxing cardboard boxes after moving into the new residence.

5-minute read

What is loan-to-value ratio (LTV) and how is it calculated?

Your loan-to-value ratio (LTV) measures your loan amount against the value of the home you're buying. Figure out how your LTV ratio is calculated.

Depiction of relocation during a recession, potentially associated with moving due to economic downturns.

8-minute read

How a recession can affect mortgage rates

Do mortgage rates go down in a recession? They can, but even if they don’t, it could still be a good time to buy a house. Learn why here.

A young woman assisting an elderly man in a wheelchair, potentially related to refinancing or homeownership.

4-minute read

Consolidate debt to combat high rates

The Federal Reserve has begun lowering the federal funds rate. With rates still elevated, it’s a good time to use your equity to consolidate high-interest debt.

Neighborhood block, showcasing houses and streets in a residential area.

5-minute read

Is property tax included in your mortgage payment?

Learn how factors like property taxes and insurance can change your monthly home payment.

A stylish young man with tattoo sleeves working on a computer.

5-minute read

What is the prime rate and how does it work?

The prime rate is an index that helps determine rates on loans. But how does that work? In our guide, you’ll learn how the prime rate affects your wallet.

5-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.

Run-down house in a suburban-rural area for flipping.

4-minute read

How to find houses to flip: A complete guide

Learn how to find houses to flip and what to consider when selecting the right house.

Man in suit reviewing stock market charts and numbers.

12-minute read

When will mortgage rates go down?

Mortgage rates tend to fluctuate, but certain indicators can signal they’re going to drop. Learn when experts predict home interest rates to go down.

Patio outside home with sliding glass doors outside living room.

6-minute read

How to find liens on a property: A home buyer's guide

Looking to find liens on a property you want to buy? Discover how title searches and combing through county records can help.

Businessman Shaking Hands Across Table With Client

5-minute read

How to find a real estate agent: A complete guide

Whether buying or selling your home, finding an experienced real estate agent is crucial. Read our guide on how to find a real estate agent.

A yard with flowers, representing a beautiful home exterior.

5-minute read

What does collateral mean and how does it work?

Collateral is any asset a lender accepts to secure a loan. Explore different types of collateral loans, their pros and cons, and how to get one.

A man inspecting the underside of a kitchen sink while holding a clipboard.

4-minute read

A guide to new construction phase inspections

New construction phase inspections can help ensure your new home is built to last. Explore the three phases, their costs and why they’re important.

Father holding young son while he does paperwork at home.

7-minute read

Is a HELOC a good idea? How to decide

Wondering if a home equity line of credit (HELOC) is a good idea for you? Find out what you should consider before choosing this financing option.

6-minute read

How a Fed rate drop affects home buyers and sellers

What’s the impact on home buyers and sellers when the federal funds rate drops? Learn how a Fed rate drop impacts interest rates and home loans.

A view of a park in a city with track and benches.

4-minute read

What is property tax and how to calculate it

Property taxes are paid to local governments to help cover the cost of community services. Discover how to calculate property taxes with our guide.

Two individuals discussing a mortgage prequalification.

6-minute read

Mortgage prequalification: What is it and how does it work?

Mortgage prequalification gives you an estimate of the amount you can borrow to buy a house. Learn more about the loan prequalification process here.

A cozy house with a charming porch and a well-maintained lawn.

5-minute read

Truth in Lending Act (TILA): Defined and explained

The Truth iokay now let's see if that worked n Lending Act (TILA) protects consumers from unfair lending practices. Find out what TILA requires and how it can protect you.

5-minute read

2024 Fed rate guide

The Fed rate hikes of 2023 have slowed while rate drops dominate the 2024 market. Explore how the rate hikes and changes affect home buyers.

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