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.
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 2026? The timing depends on several factors, including the type of mortgage refinance, the loan terms, and lender-specific requirements. This RefiGuide article will… 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 »
Owning a home is a dream for many, but saving for a down payment can be one of the biggest hurdles. Fortunately, purchasing a home with no money down is possible through various financing options, government programs, and creative strategies. Many real estate investors anticipate 2026 to be a great opportunity to buy a house… 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 »
The 5/5 adjustable-rate mortgage (ARM), a flexible alternative that’s seen a 20% uptick in originations this year, per Freddie Mac data. Among ARMs, the 5/5 adjustable rate loan variant stands out for its balance of predictability and adaptability. In October 2025, with 30-year fixed mortgage rates averaging 6.75% amid a stabilizing Federal Reserve policy, homebuyers… Read More »
Homeowners across the country are taking advantage of how fast they can get take out a home equity loan without being required to refinance their primary mortgage. A home equity loan is powerful and popular second mortgage that allows homeowners to tap into the value of their property to secure funds for various purposes like… Read More »
