Mortgages
News, insights and expert analysis on mortgages from the team at Kiplinger.
Latest
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Refinance Applications Surge as Mortgage Rates Tumble
The window to refinance is reopening as mortgage rates hit their lowest level in nearly a year. Here’s what the market shift means for homeowners.
By Paige Cerulli
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Cash vs. Mortgage: How to Pay for Your Second Home
Should you buy your second home outright or finance it with a loan? Weigh the pros, cons and tax implications before making the leap.
By Dori Zinn
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Mortgage Rates Dip to Year-Low as Jobs Data Disappoints
With August job growth falling short of expectations, markets drive 30-year mortgage interest rates down, opening refinance and homebuying opportunities.
By Paige Cerulli
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I'm an Investment Strategist: This Is How the Fed's Next Rate Move Could Impact Your Wallet
Interest rate cuts might be coming, which could affect everything from your credit card debt to your mortgage. It's smart to prepare now — here's how.
By Bradley Thompson, CFA®
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Can You Afford a Million-Dollar Home on a $250,000 Salary?
It’s more than the sticker price — mortgage rates, down payments, taxes and debt all factor into whether a million-dollar home fits your budget.
By Paige Cerulli
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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 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
