David McMillin

Contributor, Personal Finance

Experience

David McMillin is a contributor to Bankrate covering personal finance, including mortgages, real estate, student loans and auto loans. From budgeting tips for individuals to funding strategies for aspiring business owners, his goal is simple: to help readers figure out how to save more and stress less. As a musician, he has spent a lot of time worrying about money, as well, and he applies the lessons he’s learned from that financial balancing act to offer practical advice for personal spending decisions.

McMillin studied writing at DePauw University. He is based in Chicago and loves to discover new places. He only needs to visit four more states (Alaska, Oklahoma, Utah and Vermont) to check all 50 off his list.

David's latest articles

What’s the best way to pay for home renovations: savings or financing?

Cash is usually king, but borrowing has its pluses too. Here’s how to decide.

10 min read Aug 06, 2025
Selling a house to a family member

Selling to (or buying from) a family member is often called a non-arm’s-length transaction.

6 min read Aug 04, 2025
How much is title insurance, and why do you need it?

Title insurance can protect both you and your lender.

4 min read Aug 01, 2025
How to remove mortgage insurance on an FHA loan

Here’s how to cut this monthly insurance cost it if you’re eligible.

4 min read Aug 01, 2025
What is a quitclaim deed, and when is it used?

This method of ownership transfer is mainly used when no money is changing hands.

3 min read Jul 31, 2025
VA Certificate of Eligibility: What it is and how to get one

Don’t skip this crucial step on your road to homeownership.

6 min read Jul 31, 2025
What is an interest checking account?

Here’s what you need to know about interest checking accounts.

4 min read Jul 30, 2025
What is a mortgage origination fee? And do you have to pay it?

Here’s how much the fee costs and whether you can negotiate it.

5 min read Jul 29, 2025