Mortgages & Refinancing
10 articles in Mortgages & Refinancing
Mortgage Interest Rates: What Affects Yours and How to Save
Mortgage interest rates averaged 6.11% in early 2026. Learn what factors affect your rate and how to save tens of thousands over your loan.
Mortgage APR vs. Interest Rate: What's the Difference?
Mortgage APR vs. interest rate: learn why APR is always higher, how to use both numbers when comparing loans, and when a higher APR is actually the better deal.
Cash-Out Refinance: How to Turn Home Equity into Cash
Cash out refinance lets you tap home equity by replacing your mortgage with a larger one. Learn the requirements, costs, and math behind the decision.
ARM vs. Fixed-Rate Mortgage: Which Is Right for You?
ARM vs fixed rate mortgage: compare rates, caps, and risks. See exactly how much you'd save (or lose) with a 5/1 ARM on a $400,000 loan.
Mortgage Refinance: When It Makes Sense and When It Doesn't
Mortgage refinance: learn the break-even math, when to refinance (and when not to), and how 4.8 million homeowners could save right now.
Rate-and-Term Refinance: How to Lower Your Payment Without Cashing Out
Rate and term refinance replaces your mortgage to lower your rate or change your term without cashing out. See the savings math and break-even calculation.
HELOC Explained: How a Home Equity Line of Credit Works
HELOC explained: how the draw period, repayment period, and variable rates work. Current rates, payment examples, and the payment shock to prepare for.
Mortgage Insurance (PMI): What It Costs and How to Get Rid of It
Mortgage insurance (PMI) costs $100-$300/month on a typical loan. Learn how it works, what it costs by credit score, and exactly how to get rid of it.
PMI vs. FHA MIP: Which Mortgage Insurance Costs More?
PMI vs FHA MIP: compare costs by credit score. See exactly which mortgage insurance is cheaper for a $300,000 home with 3.5% down.
Home Equity Loan: How It Works, Current Rates, and Pros vs. Cons
Home equity loans let you borrow a lump sum against your home at a fixed rate. Current rates, requirements, tax rules, and a worked example.