Dive into our comprehensive collection of articles that cover a wide range of subjects. Whether you’re a novice or an expert, there’s something new to learn.
In 2025, homeowners have been scrambling to leverage their property’s equity have a variety of financing options across the United States. The RefiGuide ranks US states for the best home equity loan rates and HELOCs in 2025. Home equity loans and HELOCs offer new opportunities for these borrowers to access funds for purposes such as… Read More »
It’s an ambitious goal to pay off the mortgage in five years. Owning your home free and clear in just five years might sound like an impossible dream—but it’s not out of reach for disciplined homeowners. Whether your goal is financial independence, early retirement, or simply peace of mind, paying off your mortgage in five… Read More »
Bank statement loans have replaced the stated income programs that were so popular last decade. Banks and lenders have gained wisdom in recent years and rolled out bank statement mortgage loans that are less risky because they enable a borrower to prove that they can afford to make their monthly mortgage payment. The most popular… Read More »
Buying or refinancing a home rarely happens overnight. Between the home loan application, underwriting, and final loan approval stages, there are several checkpoints where lenders verify your income, credit, and assets. One of the most important milestones in this process is conditional approval — a strong indication that your mortgage is on track, but not… Read More »
Now that government shutdown has ended, American homeowners and aspiring buyers are buzzing about a seismic shift in the mortgage landscape: the emergence of 50-year mortgage loans. Long a staple in countries like the UK and Canada, these ultra-long-term fixed-rate products are poised to make U.S. homeownership more accessible than ever. With 30-year fixed rates… Read More »
When purchasing a home, buyers encounter various expenses beyond the property’s purchase price, collectively known as closing costs. These costs can be substantial, often ranging from 2% to 6% of the loan amount. Given this, many buyers explore options to manage these expenses, including rolling closing costs into their mortgage. The RefiGuide will help you… Read More »
The RefiGuide published this article to introduce and highlight a very special home loan program, the physician mortgage that offers many unique financing benefits for an exclusive group of borrowers in the U.S. In the high-stakes world of medicine, where residency grinds and student debt mountains loom large, achieving the American Dream of homeownership can… Read More »
Refinancing a mortgage can offer homeowners the opportunity to secure better terms, lower interest rates, or access cash from their home’s equity. But how soon can you refinance a home mortgage in 2025? The timing depends on several factors, including the type of mortgage refinance, the loan terms, and lender-specific requirements. How Soon After Purchasing… Read More »
Cash-out refinancing remains a popular strategy for homeowners looking to leverage their home’s equity in 2025. This process involves replacing your existing mortgage with a larger one, pocketing the difference in cash for purposes like consolidating debt, financing home improvements, or business investments. The RefiGuide published this article to educate homeowners on how long the… Read More »
With over 1.2 million refinances projected this year per Freddie Mac, a key question arises: Are home refinancing fees tax deductible? We will explore the answer and review the nuances in this article. Under IRS rules, points (prepaid interest) and certain property taxes qualify for deductions, often amortized over the loan term, while common mortgage… Read More »
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