Personal Finance Advice and Commentary

Tuesday, October 28, 2014 11:59 am
By Holden Lewis · Bankrate.com

The homeownership rate keeps sinking. Now it’s at its lowest level since 1994.

Monday, October 27, 2014 3:30 pm
By Holden Lewis · Bankrate.com

Mortgage rates are influenced by bond prices, and when bond prices go up, yields and interest rates go down. But why? Here’s a brief, simplified explanation.

Tags: primer
Tuesday, October 21, 2014 5:40 pm
By Holden Lewis · Bankrate.com

A bunch of agencies are trying to expand the number of would-be homeowners who can qualify for mortgages. But I’m skeptical that these efforts will help many people.

Tags: No Tags Assigned
Tuesday, October 14, 2014 10:58 am
By Holden Lewis · Bankrate.com

I have an idea: Let’s set up a network of mortgage inspectors.

Tags: Mortgages
Thursday, October 09, 2014 5:23 pm
By Holden Lewis · Bankrate.com

In 10 months, it’s going to be easier to shop for a mortgage. And those intervening 10 months aren’t going to be easy at all for mortgage companies.

Tags: No Tags Assigned
Tuesday, October 07, 2014 4:51 pm
By Holden Lewis · Bankrate.com

Beginning Aug. 1, 2015, the Good Faith Estimate and Truth in Lending statement will be replaced by one brand-new document called the Loan Estimate. The new disclosure is a big improvement.

Wednesday, September 17, 2014 11:09 am
By Holden Lewis · Bankrate.com

The new housing secretary delivered his first major speech since taking office. What’s his top priority? He doesn’t say.

Tags: No Tags Assigned
Tuesday, July 08, 2014 5:14 pm
By Holden Lewis · Bankrate.com

Regulatory agencies believed it was necessary to alert banks that some of their customers will soon have trouble paying off their HELOCs.

Tags: HELOCs, news
Thursday, July 03, 2014 10:28 am
By Holden Lewis · Bankrate.com

What’s good for job-seekers is bad for mortgage shoppers. So today’s positive employment report is negative news for people who didn’t lock a mortgage rate earlier in the week.

Tuesday, June 24, 2014 11:40 am
By Holden Lewis · Bankrate.com

It’s the confusing time of the month, when corporations, lobbyists and federal regulators trumpet their stats on home sales and home prices.

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