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Mortgages
Compare mortgage rates locally, evaluate lenders, and utilize our calculators to determine affordable home prices. Access expert guidance and updates.
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Mortgage basics
![A house](https://www.bankrate.com/2024/02/12100948/Homes_How_To_Get_The_Best_Mortgage_Rate.jpg?auto=webp&optimize=high&crop=16:9&width=320)
How to get the best mortgage rate
Mortgages
With interest rates rising, shopping around is more important than ever.
![Family moving into home](https://www.bankrate.com/2019/07/03123917/First-time-homebuyer-guide.jpg?auto=webp&optimize=high&crop=16:9&width=320)
First-time homebuyer guide
Mortgages
Being a novice often feels like a nuisance. However, there are actually perks to being a first-timer.
![](https://www.bankrate.com/2023/08/03181635/Homes_5_types_of_mortgage_loans_for_homebuyers.jpg?auto=webp&optimize=high&crop=16:9&width=320)
5 types of mortgage loans for homebuyers
Mortgages
A comprehensive list to help you find the right financing tool for your dream home.
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The latest
![A one-story single-family home and yard](https://www.bankrate.com/2021/01/19100313/How_to_remove_FHA_mortgage_insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to cut this monthly insurance cost it if you’re eligible.
![](https://www.bankrate.com/brp/2025/01/21083547/Central-Mortgage-rate-forecast.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate Chief Financial Analyst Greg McBride shares his take on what will happen to mortgage rates in 2025.
![](https://www.bankrate.com/brp/2024/12/26102126/Homes-Best-mortgage-lenders-in-December-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for October 2024.
![Person walking to the front door of a house](https://www.bankrate.com/brp/2024/07/23092456/VA_Loan_Limits.jpg?auto=webp&optimize=high&crop=1:1&width=356)
They are largely gone, but that doesn’t necessarily mean you can get any size VA loan you want.
![House with a "sold" sign](https://www.bankrate.com/brp/2024/07/23091835/Guide_to_closing_on_a_house.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Don’t get tripped up at the finish line when you buy a house.
![](https://www.bankrate.com/2020/10/01105256/What_happens_when_your_mortgage_is_paid_off.jpg?auto=webp&optimize=high&crop=1:1&width=356)
First, you celebrate. But remember: You’ve got some new obligations too.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in Wisconsin.
![Mansion brick house | iStock.com/lillisphotography](https://www.bankrate.com/2017/09/25093349/mansion-brick-house-mst.jpg?auto=webp&optimize=high&crop=1:1&width=356)
View the current FHA and conforming loan limits for all counties in West Virginia.
![](https://www.bankrate.com/2024/01/18083429/Homes_Best-mortgage-lenders-in-California-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage lenders in California in 2024.
![](https://www.bankrate.com/2024/01/18083011/Homes_Best-mortgage-lenders-in-Reverse-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best no-fee mortgage lenders in 2024.
![](https://www.bankrate.com/2024/01/19115824/Mortgages-best-cash-out-refinance-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best cash-out refinance lenders in 2024.
![A house on a stack of money](https://www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mortgage rates trended up this week.
![Illustrated image with a man and a dog](https://www.bankrate.com/2023/02/07094813/BR_Banking_Refinancing_a_home_equity_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How to calculate if the costs outweigh the benefits.
![Modern bedroom](https://www.bankrate.com/2018/04/10152735/should-you-get-a-home-equity-loan-heloc-or-a-line-of-credit.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Not all equity-tapping methods are created equal.
![Image of a house](https://www.bankrate.com/2023/11/13095621/Home_FHA-cash-out-refinance-guide.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how an FHA cash-out refinance works.
![How to get equity out of the house you’ve paid off](https://www.bankrate.com/2022/06/14132030/GettyImages-1306153838.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Sometimes, it’s even easier than if you still had a mortgage. But there are caveats.
![](https://www.bankrate.com/2024/01/18083429/Homes_Best-mortgage-lenders-in-California-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage lenders in California in 2024.
![](https://www.bankrate.com/2024/01/18083011/Homes_Best-mortgage-lenders-in-Reverse-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best no-fee mortgage lenders in 2024.
![](https://www.bankrate.com/2024/01/19115824/Mortgages-best-cash-out-refinance-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best cash-out refinance lenders in 2024.
![](https://www.bankrate.com/2024/01/18083604/Homes_Best-mortgage-lenders-in-Florida-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage lenders in Florida in 2024.
![](https://www.bankrate.com/brp/2024/12/26102126/Homes-Best-mortgage-lenders-in-December-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for October 2024.
![](https://www.bankrate.com/2024/01/18083208/Homes_Best-mortgage-lenders-in-Online-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
OK with doing your loan digitally? These mortgage companies are the tops.
![](https://www.bankrate.com/2024/01/18084817/Homes_Best-First-time-homebuyer-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Our list of lenders best suited to helping out a novice homeowner-to-be.
![](https://www.bankrate.com/2024/01/19115307/Homes_Best-VA-mortgage-lenders-of-January-2024-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A current or veteran military person? Here are the top VA lenders for you.
![An aerial of homes in a neighborhood](https://www.bankrate.com/2020/07/14112022/What_is_a_foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
After several missed payments, your lender can start the foreclosure process.
![A forest fire in California](https://www.bankrate.com/brp/2025/01/13152945/What_happens_to_my_mortgage_in_a_natural_disaster.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you’re a homeowner impacted by the Los Angeles wildfires, contact your mortgage servicer as soon as possible.
![Suburban house](https://www.bankrate.com/2022/11/29094505/Conforming-loan-limits-2023-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
For much of the U.S., the divide between conforming loans and jumbo mortgages will be $766,550.
![Cellist plays on porch during coronavirus](https://www.bankrate.com/2020/04/23165945/Everything-you-should-know-about-mortgage-forbearance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Answers to borrowers most common mortgage forbearance questions
![Wide shot of a home on the east coast during autumn](https://www.bankrate.com/brp/2024/10/24124415/what-is-a-zombie-mortgage-1208461121687402.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Some seemingly-dead second mortgages are coming back to life demanding payment.
![Senior couple managing finances](https://www.bankrate.com/2020/12/04174333/what-can-creditors-take-in-bankruptcy.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
When filing Chapter 7, you must disclose all assets, but it doesn’t mean you can’t keep some.
![A woman holds a gold ring in front of a jewelry box](https://www.bankrate.com/2008/10/27115359/What-assets-do-I-have-to-list-in-bankruptcy.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
When you’re filing for bankruptcy, disclose all your assets, no matter how trivial.
![The Liberty Bridge stretches across the roaring Reedy River in Greenville, SC, as floodwaters churn below.](https://www.bankrate.com/brp/2024/10/02145202/helene-mortgage-relief.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If Hurricane Helene has affected your ability to pay your mortgage, contact your servicer right away.