Mortgages
News, insights and expert analysis on mortgages from the team at Kiplinger.
Latest
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How Federal Reserve Rate Decisions Impact Mortgage Rates in 2026
Mortgage rates are still fluctuating after a series of Fed rate cuts. Learn how interest rate changes affect your monthly payments and what buyers should watch for this year.
By Dori Zinn
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How to Choose a Mortgage Lender in Five Steps
Not all lenders are created equal — here’s how to compare offers, rates and terms with confidence.
By Dori Zinn
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What to Watch for When Refinancing Your Home Mortgage
A smart refinance can save you thousands, but only if you know how to avoid costly pitfalls, calculate true savings and choose the right loan for your goals.
By Paige Cerulli
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Builders Are Offering Big Mortgage Incentives — What Homebuyers Should Watch For
Builder credits and below-market mortgage rates can ease affordability pressures, but the savings often come with trade-offs buyers should understand before signing.
By Choncé Maddox
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How a Home Equity Line of Credit (HELOC) Works
You can use home equity to pay off high-interest debt or improve your home, but it’s important to understand the risks.
By Emma Patch
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My Mortgage Rate is 6.5%. Should I Refinance If Rates Fall By Half a Point
A half-point dip may not be enough to offset closing costs. Here's the magic number that makes refinancing pay off.
By Choncé Maddox
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Find the Best 30-Year Mortgage Rates
Here are some of the best 30-year mortgage rates today as they've started slowly going down.
By Carla Ayers
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Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.
By Daniel Bortz
Becoming a Homeowner -
Rising Home Prices and Mortgage Rates Can Make This Insurance More Relevant
It's been hard to avoid private mortgage insurance in an era of rising home prices and higher mortgage rates.
By Ella Vincent
