Personal Finance Advice and Commentary

Tuesday, October 29, 2013 4:07 pm
By Polyana da Costa · Bankrate.com

New mortgage rules that go into effect in January won’t be enough to prevent risky lending during another housing boom, Sen. Elizabeth Warren said today.

Wednesday, May 22, 2013 12:42 pm
By Polyana da Costa · Bankrate.com

The rule that defines what a safe mortgage is could restrict credit.

Thursday, October 04, 2012 9:58 am
By Holden Lewis · Bankrate.com

Mitt Romney brought up mortgages in the first presidential debate. Here is what he was talking about when he mentioned qualified mortgages.

Monday, March 07, 2011 9:24 am
By Marcie Geffner · Bankrate.com

Should homebuyers be required to make a down payment of at least 20 percent of a home’s purchase price to qualify for a mortgage? That’s a hot topic in a current debate about the federal government’s soon-to-be-issued official definition of a “qualified residential mortgage” or “QRM.” Once the definition and the risk-retention rule that requires