Mortgages
News, insights and expert analysis on mortgages from the team at Kiplinger.
Latest
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Lock or Float? How to Decide on Your Mortgage Rate
Mortgage rates move daily, here’s how to know if you should lock in a rate now or let it float until closing.
By Dori Zinn
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The Role of a Mortgage Underwriter in Buying a Home
From fast-track approvals to manual reviews, here’s what to expect (and how to avoid delays) in the underwriting process.
By Dori Zinn
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How Does the 10-Year Treasury Yield Affect Mortgage Rates?
Where the 10-year Treasury yield goes, so do mortgage rates. Learn why they're connected and how it impacts homebuyers.
By Sean Jackson
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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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How Home Appraisals Work — and What the Final Value Means
From comps to contingencies, here’s what a home appraisal reveals about your property’s true worth.
By Dori Zinn
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The 28% Rule for Housing: Does It Still Work in Today’s Market?
Rising home prices and stubborn mortgage rates put this long-standing rule to the test.
By Paige Cerulli
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The Ultra-Rich Don't Always Pay Cash: Why Mark Zuckerberg Took Out a Mortgage
Some of the wealthiest Americans opt for mortgages as a strategic way to preserve liquidity, leverage investments and reduce tax exposure.
By Laura Gariepy
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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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Check Your Mailbox: Wells Fargo Settlement Payments Have Begun
Wells Fargo settlement customers whose mortgages were placed in forbearance without their permission should keep an eye on the mail, as checks are going out.
By Paige Cerulli