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Smart Borrower's Center

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Tools and Advice

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Mortgages

  • How to compare loans
  • 3 things to know before you apply for a loan
  • Low-credit score loans
  • Buying a home with a low down payment
  • The closing process
  • Checklist: Steps to a smooth closing

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Most Popular Articles

  1. 3 things to know before you apply for a loan
  2. Low-credit score loans
  3. Buying a home with a low down payment
  4. Interest rate versus APR

Down payments

  • Buying a home with a low down payment
  • Piggyback loans let you tap your home equity when buying
  • Down payment: What is the purpose?
  • Is your down payment too big?
  • Which is better: PMI or piggyback loan?
  • The second trust (piggyback) loan

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Most Popular Articles

  1. Buying a home with a low down payment
  2. Down-payment assistance programs
  3. Down payment: What is the purpose?
  4. Bridge financing basics

Guide to mortgages

  • Step 1: Check your credit
  • Step 2: How much can you afford?
  • Step 3: Finding the best mortgage for you
  • Step 4: Getting prequalified for a mortgage
  • Step 5: Compare mortgage offers
  • Step 6: Getting pre-approved by your lender

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Most Popular Articles

  1. Step 2: How much can you afford?
  2. Step 4: Getting prequalified for a mortgage
  3. Step 3: Finding the best mortgage for you
  4. Step 6: Getting pre-approved by your lender

Mortgage Refinance

  • 4 steps to evaluating your current loan
  • Should you refinance your ARM before it resets?
  • Is it time to refinance your ARM?
  • Mortgage refinancing basics
  • Is now the time to refinance your ARM?
  • Should you refinance your mortgage?

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Most Popular Articles

  1. How to lower your mortgage payment
  2. 4 steps to evaluating your current loan
  3. Mortgage refinancing basics
  4. When does mortgage refinancing pay?

Special loan programs

  • Low-credit score loans
  • Buying a home with a shared-equity mortgage
  • 80/10/10 financing
  • Get acquainted with home construction financing
  • Borrowing money from family and loved ones
  • Low down payment? A piggyback loan or PMI can help

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Most Popular Articles

  1. Low-credit score loans
  2. 80/10/10 financing
  3. Borrowing money from family and loved ones
  4. Buying a home with a shared-equity mortgage

Guide to refinancing your home

  • Step 1: Check your credit
  • Step 2: Find the right loan for your needs
  • Step 3: Compare offers and perform break-even analysis
  • Step 4: Closing

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Most Popular Articles

  1. Step 2: Find the right loan for your needs
  2. Step 3: Compare offers and perform break-even analysis
  3. Step 1: Check your credit
  4. Step 4: Closing

Using your home equity

  • Home equity loan vs. line of credit
  • Home equity lines of credit offer flexibility and convenience
  • Home values: The importance of being realistic
  • Giving your kids a start with a home equity loan
  • Using home equity to smooth your income
  • Calculating your home equity

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Most Popular Articles

  1. Home equity loan vs. line of credit
  2. Home renovations that pay for themselves
  3. Can you afford to remodel?
  4. Calculating your home equity

Cash-out refinancing

  • Ask an expert: Cash-out refinancing
  • Cash-out mortgage refinancing
  • Should you use cash-out refinancing?
  • Cash-out refinancing basics
  • Cash-out Refinancing: How It Works

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Most Popular Articles

  1. Ask an expert: Cash-out refinancing
  2. Cash-out mortgage refinancing
  3. Cash-out Refinancing: How It Works
  4. Cash-out refinancing basics

Private mortgage insurance

  • Buying a home with a low down payment
  • Canceling private mortgage insurance
  • Which is better: PMI or piggyback loan?
  • PMI may be tax deductible
  • Do I have to have private mortgage insurance
  • Private mortgage insurance

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Most Popular Articles

  1. Buying a home with a low down payment
  2. Which is better: PMI or piggyback loan?
  3. PMI may be tax deductible
  4. Do I have to have private mortgage insurance

Interest rates

  • Home equity loans and interest rates
  • Is it time to refinance your ARM?
  • How to lower your interest rate
  • Is now the time to refinance your ARM?
  • Refinancing can protect you from rising interest rates
  • Mortgage lock-ins

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Most Popular Articles

  1. Interest rate versus APR
  2. Home equity loans and interest rates
  3. How to lower your interest rate
  4. Mortgage lock-ins

Ask an Expert - Home loans

  • Ask an expert: Refinancing a jumbo loan
  • Qualifying for a home equity loan

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Most Popular Articles

  1. Ask an expert: Refinancing a jumbo loan
  2. Qualifying for a home equity loan

Calculators

  • Mortgage Calculators
  • Refinance Calculators
  • Home Equity Calculators
  • Car Loan Calculators

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