Debt-to-Income Ratio Explained: The Number That Can Make or Break a Mortgage
Debt-to-income ratio can make or break a mortgage application. How lenders calculate DTI and the limits that matter in 2026.
Mortgage
Mortgage news and guidance: current rates, points and buydowns, affordability, and how financing shifts affect homebuyers and homeowners in 2026.
Mortgage Applications Are Rising: What They Say About Buyer Demand
Mortgage applications are running above year-ago levels. What weekly application data says about buyer demand in 2026.
FHA vs. VA Loans: Which Mortgage Option Fits Which Buyer?
FHA and VA loans both help buyers with lower upfront costs, but eligibility, mortgage insurance and funding fees differ.
FHA vs. Conventional Loans in 2026: Key Differences for Buyers
FHA and conventional loans help different buyers. Compare down payments, mortgage insurance, credit flexibility and loan limits.
Refinance Calculator Guide: When a Lower Rate Is Actually Worth It
A lower mortgage rate does not always make refinancing worth it. Learn how to calculate your break-even point and compare costs.
Adjustable-Rate Mortgages in 2026: Who Should Consider an ARM?
Adjustable-rate mortgages can offer lower initial rates, but buyers need to understand caps, resets, margins and payment risk.
15-Year vs. 30-Year Mortgage: Payment, Equity and Risk
A 15-year mortgage can save interest and build equity faster, while a 30-year mortgage offers lower monthly payments.
Mortgage Rate Lock Strategy in 2026: When Buyers Should Lock or Float
A mortgage rate lock can protect buyers from rising rates before closing. Here’s when locking or floating may make sense.
Mortgage Points Explained: When Buying Down the Rate Makes Sense
Mortgage points can lower your interest rate, but they only make sense if the upfront cost is worth the monthly savings.
Rate Buydown vs. Price Cut: Which Helps Buyers More?
A rate buydown and a price cut help buyers in different ways. Here’s how to compare monthly savings, cash to close and long-term value.
Mortgage Rates Today: Why 30-Year Rates Are Still Above 6% and What the Fed Means for Homebuyers
Mortgage rates remain above 6%. Here’s why the Fed does not directly set mortgage rates and what buyers should watch in 2026.