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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://cdn.statically.io/img/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://cdn.statically.io/img/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://cdn.statically.io/img/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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![Hallowell, Maine](https://cdn.statically.io/img/www.bankrate.com/2020/08/13101614/What_is_a_portfolio_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you don’t meet traditional loan criteria, they could be the answer. Beware the fine print, though.
![](https://cdn.statically.io/img/www.bankrate.com/2024/03/07142651/Loans_FHA-loans-Definition-requirements-and-limits.jpg?auto=webp&optimize=high&crop=1:1&width=356)
FHA loans can help borrowers with less-than-ideal credit and cash. But they aren’t perfect.
![Over the shoulder view of young man checking financial data with mobile banking app](https://cdn.statically.io/img/www.bankrate.com/brp/2024/08/09093058/market-drops-lower-rates-and-refinancing.jpg?auto=webp&optimize=high&crop=1:1&width=356)
But is the reduction in rates worth a rush to redo your loan?
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/19120134/Mortgages-best-construction-loan-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best construction loan lenders.
![Illustrated collage featuring an aerial view of suburban homes](https://cdn.statically.io/img/www.bankrate.com/2023/10/20101427/Homes_Current_and_historical_mortgage_rate_trends_1970s_to_2023.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Today’s mortgage rates aren’t all that different from the rates of years past. Here’s how they compare.
![Woman sitting down on a couch](https://cdn.statically.io/img/www.bankrate.com/brp/2024/02/12143020/Homes-Behind-on-mortgage-payments-6-ways-to-catch-up-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Don’t give up on trying to keep your home. One of these strategies might rescue you.
![Illustrated collage in the shape of a clock](https://cdn.statically.io/img/www.bankrate.com/2024/01/15170741/Homes-Prepaying-your-mortgage-What-is-it-and-should-I-do-it.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Pay a little more every month, and cut your mortgage interest by a lot.
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/18084621/Homes_Best-FHA-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When it comes to these easier-to-qualify-for loans, these lenders are tops.
![Over the shoulder view of young man checking financial data with mobile banking app](https://cdn.statically.io/img/www.bankrate.com/brp/2024/08/09093058/market-drops-lower-rates-and-refinancing.jpg?auto=webp&optimize=high&crop=1:1&width=356)
But is the reduction in rates worth a rush to redo your loan?
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/18084621/Homes_Best-FHA-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When it comes to these easier-to-qualify-for loans, these lenders are tops.
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/31145750/Homes-1-31analysis.jpg?auto=webp&optimize=high&crop=1:1&width=356)
This is the week that was in mortgage rates across the U.S.
![Image of houses on a sunny day](https://cdn.statically.io/img/www.bankrate.com/2024/01/30103521/Homes-Best-mortgage-lenders-in-February-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for April 2024.
![](https://cdn.statically.io/img/www.bankrate.com/2023/05/14143416/Homes-How-the-Federal-Reserve-affects-mortgage-rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The Federal Reserve’s decisions have ripple effects, including for mortgages.
![](https://cdn.statically.io/img/www.bankrate.com/2020/12/21145642/GettyImages-83802508.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discount real estate brokers cut their commissions. Do they axe services too?
![Mortgage refinance options for bad credit](https://cdn.statically.io/img/www.bankrate.com/2021/05/06125240/GettyImages-639497394.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Borrowers with poor credit can still nail down home loan refinancing. Here’s how.
![](https://cdn.statically.io/img/www.bankrate.com/2023/09/06164838/Loans_-How_to_refinance_your_car_loan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to refinance a car loan and save.
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/19120134/Mortgages-best-construction-loan-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best construction loan lenders.
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/18084621/Homes_Best-FHA-mortgage-lenders-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When it comes to these easier-to-qualify-for loans, these lenders are tops.
![Image of houses on a sunny day](https://cdn.statically.io/img/www.bankrate.com/2024/01/30103521/Homes-Best-mortgage-lenders-in-February-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are the best mortgage lenders for April 2024.
![](https://cdn.statically.io/img/www.bankrate.com/2023/12/19115614/Mortgages-best-203k-rehab-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here is Bankrate’s guide to the best 203(k) rehab mortgage lenders.
![](https://cdn.statically.io/img/www.bankrate.com/2024/01/18084138/Homes_Best-low-credit-score-mortgage-lenders-of-January-2024_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best bad credit mortgage lenders in 2024.
![](https://cdn.statically.io/img/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://cdn.statically.io/img/www.bankrate.com/2024/01/19120653/Mortgages-best-refinance-mortgage-lenders.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best mortgage refinance lenders in 2024.
![Illustrated image featuring a house](https://cdn.statically.io/img/www.bankrate.com/2023/12/29172148/Homes_Best-mortgage-lenders-no-origination-fee-of-January-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s guide to finding the best reverse mortgage lender for you
![](https://cdn.statically.io/img/www.bankrate.com/2020/12/21145642/GettyImages-83802508.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discount real estate brokers cut their commissions. Do they axe services too?
![The exterior of a two-story single-family home with attached garage and driveway](https://cdn.statically.io/img/www.bankrate.com/2021/08/23112215/Flex_Modification_what_to_know.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you’re behind on your mortgage, a Flex Modification might be able to help.
![Foreclosed home](https://cdn.statically.io/img/www.bankrate.com/2019/04/24134937/Missing-your-mortgage-payments-heres-how-to-avoid-foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are strategies for avoiding foreclosure if you have trouble making house payments.
![Couple reviewing bills, managing finances](https://cdn.statically.io/img/www.bankrate.com/2022/05/14121006/how-to-refinance-an-underwater-mortgage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Even if you owe more than your home is worth, there are options to refinance.
![](https://cdn.statically.io/img/www.bankrate.com/2022/08/24112530/what-is-mortgage-forbearance-agreement.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Borrowers can request forbearance when there’s a change in their financial situation.
![A single-story home with yard and driveway](https://cdn.statically.io/img/www.bankrate.com/2020/09/03103621/What_is_preforeclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s the first step on the road to losing your home. So avoid it.
![Senior couple payings bills inside home](https://cdn.statically.io/img/www.bankrate.com/2022/09/28171549/mortgage-deferment.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Although used interchangeably, deferment isn’t the same as forbearance.
![A neighborhood of single-family homes in Nevada.](https://cdn.statically.io/img/www.bankrate.com/2020/07/31094556/How_many_payments_miss_before_foreclosure.jpg?auto=webp&optimize=high&crop=1:1&width=356)
It’s not the end if you miss just one. But don’t make a habit of it.