---
title: Mortgages
description: The path to homeownership can be daunting, but our expert-approved resources are here to help. Whether you're considering a conventional mortgage, a refinance, an FHA loan or otherwise, we'll guide you through the ins and outs of each option.
top_level: true
subcategories: 18
total_pages: 50
canonical: https://money.com/mortgages/
language: en
type: CollectionPage
source: category-blades
---

# Mortgages

The path to homeownership can be daunting, but our expert-approved resources are here to help. Whether you're considering a conventional mortgage, a refinance, an FHA loan or otherwise, we'll guide you through the ins and outs of each option.

## Browse Mortgages

- [Mortgage Lenders](https://money.com/mortgage-lenders/)
- [Mortgage Refinance](https://money.com/mortgage-refinance/)
- [Mortgage Rates](https://money.com/mortgage-rates/)
- [Home Equity Loans](https://money.com/home-equity-loans/)
- [Reverse Mortgage](https://money.com/reverse-mortgage/)
- [VA Loans](https://money.com/va-loans/)
- [Calculators](https://money.com/calculators/)
- [Adjustable-Rate Mortgage](https://money.com/adjustable-rate-mortgage/)

## Latest news

- [Today's Mortgage Rates: September 25, 2026](https://money.com/current-mortgage-rates/) — Mortgage Rates · 5 min read
- [Is Your Super-Low Mortgage Rate Keeping You From Moving? Here Are 4 Solutions](https://money.com/give-up-low-mortgage-rate/) — Mortgage Rates · 8 min read
- [Paying Off Your Mortgage Early Can Save You Thousands. But Not Everyone Should Do It](https://money.com/when-not-to-pay-off-mortgage-early/) — Mortgages · 6 min read
- [Top VA Lenders: Veterans United Leads the Pack, Plus What Else the Data Shows](https://money.com/top-va-lenders-veterans-united-data/) — VA Loans · 8 min read
- [Mortgage Rates Just Fell Below 6% for the First Time Since 2022. Is Now the Time to Buy?](https://money.com/mortgage-rates-fall-february/) — Mortgage Rates · 4 min read
- [Trump Wants the Government to Buy Mortgages. Will That Lower Rates?](https://money.com/trump-mortgage-rates-plan/) — Mortgage Rates · 5 min read
- [Will Mortgage Rates Go Down in 2026? Here's What Housing Experts Predict](https://money.com/mortgage-rate-predictions-2026/) — Mortgage Rates · 5 min read
- [Trump's 50-Year Mortgage Idea Is 'No Silver Bullet' for Housing Affordability](https://money.com/50-year-mortgages/) — Mortgages · 6 min read
- [Mortgage Rates Below 6%? Don't Hold Your Breath](https://money.com/mortgage-rates-stay-above-6-percent/) — Mortgage Rates · 4 min read
- [1 in 5 Homeowners Are Now Paying Mortgage Rates of 6% or Higher](https://money.com/us-homeowners-6-percent-mortgage-rates-highest-decade/) — Mortgage Rates · 5 min read
- [Sorry, Homebuyers: A Fed Rate Cut Might Not Actually Lower Your Mortgage Rate](https://money.com/fed-rate-cut-wont-lower-mortgage-rates/) — Mortgage Rates · 5 min read
- [Will Mortgage Rates Finally Fall This Year?](https://money.com/mortgage-rates-could-drop-after-weak-jobs-report/) — Mortgage Rates · 5 min read
- [Could Crypto Help You Buy Your Next Home?](https://money.com/crypto-assets-mortgage-applications/) — Mortgages · 4 min read
- [Will Mortgage Rates Finally Go Down in 2025?](https://money.com/mortgage-rates-predictions-2025/) — Mortgage Rates · 5 min read
- [The Fed Keeps Cutting Rates — So Why Aren't Mortgage Rates Going Down?](https://money.com/mortage-rates-not-going-down-fed/) — Mortgages · 7 min read
- [Does Writing a ‘Love Letter’ to a Home Seller Actually Work?](https://money.com/home-seller-love-letter-does-it-work/) — Home Selling · 8 min read
- [Why the Fed Rate Cut Won't (Dramatically) Lower Mortgage Rates](https://money.com/fed-rate-cut-lower-mortgage-rates/) — Federal Reserve · 4 min read
- [Homeowners Are Refinancing Again as Rates Dip. Should You?](https://money.com/mortgage-rates-dip-homeowners-refinancing/) — Mortgage Refinance · 5 min read
- ['Zombie' Mortgages Are Back With a Vengeance to Haunt Homeowners](https://money.com/zombie-mortgage-illegal-debt-collection/) — Mortgages · 7 min read
- ['Don't Panic': 5 Tips to Help Homebuyers Cope With 7% Mortgage Rates](https://money.com/tips-for-homebuyers-high-mortgage-rates/) — Mortgage Rates · 7 min read
- [Optimism About Mortgage Rates Reaches a Record High: Fannie Mae](https://money.com/mortgage-rate-optimism-record-high/) — Mortgage Rates · 4 min read
- [Are Adjustable-Rate Mortgages a Good Move Right Now?](https://money.com/adjustable-rate-mortgages-high-interest-rates/) — Adjustable-Rate Mortgage · 8 min read
- [Mortgage Rates Will Drop Below 6% This Year, Says Fannie Mae](https://money.com/mortgage-rates-drop-fannie-mae-report/) — Mortgage Rates · 6 min read
- [Here's What 8% Mortgage Rates Could Mean for the Housing Market](https://money.com/8-percent-mortgage-rates/) — Mortgage Rates · 8 min read

## Calculators

Maximize your savings with our calculators

- [How Much Home Can I Afford?](https://money.com/how-much-house-can-i-afford/)
- [How Much Will My Mortgage Payment Be?](https://money.com/mortgage-calculator/)
- [How Much Can I Save By Refinancing?](https://money.com/mortgage-refinance-calculator/)
- [What Is My DTI Ratio?](https://money.com/debt-income-ratio-calculator/)

## Mortgage Lenders

From sussing out the dizzying array of mortgage products on the market to shopping around for a competitive interest rate, here's everything you need to know about choosing a mortgage lender.

- [8 Best Mortgage Lenders of September 2026](https://money.com/best-mortgage-lenders/) — Mortgage Lenders · 16 min read
- [8 Best VA Loan Lenders of September 2026](https://money.com/best-va-loans/) — VA Loans · 18 min read
- [What Is a VA Loan?](https://money.com/what-is-a-va-loan/) — VA Loans · 23 min read
- [What Is a Private Mortgage Lender?](https://money.com/what-is-a-private-mortgage-lender/) — Mortgage Lenders · 8 min read
- [How to Qualify for a USDA Loan](https://money.com/usda-loan-eligibility/) — Mortgage Lenders · 12 min read
- [The Older You Get, the Less Likely You'll Be Approved for a Mortgage: Study](https://money.com/older-mortgage-applicants-rejected/) — Mortgage Loan · 3 min read
- [What Is a Gift Letter?](https://money.com/what-is-a-gift-letter/) — Money Management · 10 min read
- [What Is a Mortgage Banker?](https://money.com/what-is-a-mortgage-banker/) — Mortgage Lenders · 7 min read
- [4 Tips to Avoid Overpaying in Today's Changing Housing Market](https://money.com/tips-avoid-overpaying-changing-housing-market/) — Mortgage Lenders · 8 min read

[View All Mortgage Lenders](https://money.com/mortgage-lenders/)

## Mortgage Refinance

Interest rates are constantly fluctuating, making the decision to refinance your mortgage a bit of a balancing act. Here's how to navigate the current rate environment and make the best choice for your budget.

- [6 Best Mortgage Refinance Companies of September 2026](https://money.com/best-mortgage-refinance/) — Mortgage Refinance · 17 min read
- [Refi.com Mortgage Refinance Review](https://money.com/refi-com-mortgage-refinance-review/) — Mortgage Refinance · 11 min read
- [How Much Does It Cost to Refinance a Mortgage?](https://money.com/how-much-does-it-cost-to-refinance-mortgage/) — Mortgage Refinance · 8 min read
- [Homeowners Are Refinancing Again as Rates Dip. Should You?](https://money.com/mortgage-rates-dip-homeowners-refinancing/) — Mortgage Refinance · 5 min read
- [Buying Mortgage Points Can Lower Your House Payments. But What the Heck Are They?](https://money.com/mortgage-discount-points-refinance/) — Mortgage Refinance · 8 min read
- [Is Now a Good Time to Refinance Your Mortgage?](https://money.com/is-now-a-good-time-to-refinance/) — Mortgage Refinance · 13 min read
- [Mortgage Refi Calculator](https://money.com/mortgage-refinance-calculator/) — Mortgage Refinance · 10 min read
- [Can I Use My 401(k) To Buy a House?](https://money.com/use-401k-to-buy-a-house/) — Mortgage Refinance · 13 min read
- [How Much Does an Appraisal Cost?](https://money.com/how-much-does-an-appraisal-cost/) — Mortgage Refinance · 6 min read

[View All Mortgage Refinance](https://money.com/mortgage-refinance/)

## Mortgage Rates

Explore Money’s insights on mortgage rates and how they impact the housing market.

- [Today's Mortgage Rates: September 25, 2026](https://money.com/current-mortgage-rates/) — Mortgage Rates · 5 min read
- [Is Your Super-Low Mortgage Rate Keeping You From Moving? Here Are 4 Solutions](https://money.com/give-up-low-mortgage-rate/) — Mortgage Rates · 8 min read
- [Homeowners With Low Mortgage Rates Aren't Moving. That's Bad News for Your Rent](https://money.com/mortgage-rate-lock-in-effect-rent-prices/) — Mortgage Rates · 6 min read
- [Mortgage Rates Just Fell Below 6% for the First Time Since 2022. Is Now the Time to Buy?](https://money.com/mortgage-rates-fall-february/) — Mortgage Rates · 4 min read
- [Trump Wants the Government to Buy Mortgages. Will That Lower Rates?](https://money.com/trump-mortgage-rates-plan/) — Mortgage Rates · 5 min read
- [Will Mortgage Rates Go Down in 2026? Here's What Housing Experts Predict](https://money.com/mortgage-rate-predictions-2026/) — Mortgage Rates · 5 min read
- [Mortgage Rates Below 6%? Don't Hold Your Breath](https://money.com/mortgage-rates-stay-above-6-percent/) — Mortgage Rates · 4 min read
- [1 in 5 Homeowners Are Now Paying Mortgage Rates of 6% or Higher](https://money.com/us-homeowners-6-percent-mortgage-rates-highest-decade/) — Mortgage Rates · 5 min read
- [Sorry, Homebuyers: A Fed Rate Cut Might Not Actually Lower Your Mortgage Rate](https://money.com/fed-rate-cut-wont-lower-mortgage-rates/) — Mortgage Rates · 5 min read

[View All Mortgage Rates](https://money.com/mortgage-rates/)

## Home Equity Loans

Delve into the mechanics of home equity, HELOC and cash out refinance loans and learn how to shop around for a lender.

- [5 Best No-Appraisal Home Equity Loan Lenders of September 2026](https://money.com/best-no-appraisal-home-equity-loans/) — Home Equity Loans · 15 min read
- [10 Best Home Equity Loans of September 2026](https://money.com/best-home-equity-loans/) — Home Equity Loans · 18 min read
- [5 Best Home Equity Sharing Companies of September 2026](https://money.com/best-home-equity-sharing-companies/) — Home Equity Loans · 18 min read
- [What Is a Home Equity Agreement?](https://money.com/what-is-a-home-equity-agreement/) — Home Equity Loans · 22 min read
- [What Is a Home Equity Loan?](https://money.com/what-is-a-home-equity-loan/) — Home Equity Loans · 26 min read
- [How to Get a Home Equity Loan With Bad Credit](https://money.com/how-to-get-a-home-equity-loan-with-bad-credit/) — Home Equity Loans · 20 min read
- [What Is a Second Mortgage?](https://money.com/what-is-a-second-mortgage/) — HELOC · 14 min read
- [HELOC vs. Home Equity Loan: Compare Benefits, Interest Rates and More](https://money.com/heloc-vs-home-equity-loan/) — Home Equity Loans · 13 min read
- [How Much Equity Can I Borrow From My Home?](https://money.com/how-much-equity-can-i-borrow-from-my-home/) — Home Equity Loans · 9 min read

[View All Home Equity Loans](https://money.com/home-equity-loans/)

## Reverse Mortgages

Learn how reverse mortgages work and what to consider before taking the plunge.

- [6 Best Reverse Mortgage Companies of September 2026](https://money.com/best-reverse-mortgage/) — Reverse Mortgage · 17 min read
- [What Is a Reverse Mortgage, and How Does It Work?](https://money.com/what-is-a-reverse-mortgage/) — Reverse Mortgage · 15 min read
- [Is a Reverse Mortgage the Right Fit to Fund Your Retirement?](https://money.com/when-to-use-a-reverse-mortgage/) — Reverse Mortgage · 9 min read
- [Considering a Reverse Mortgage? Here's What You Can Expect to Pay](https://money.com/reverse-mortgage-fees-explained/) — Reverse Mortgage · 11 min read
- [Debunking 5 Common Reverse Mortgage Myths](https://money.com/5-common-reverse-mortgage-myths-debunked/) — Reverse Mortgage · 9 min read
- [Reverse Mortgages: How to Choose Between a Lump Sum, Line of Credit or Monthly Payment](https://money.com/reverse-mortgage-line-of-credit-vs-lump-sum/) — Reverse Mortgage · 10 min read
- [How Do You Pay Back A Reverse Mortgage?](https://money.com/how-do-you-pay-back-a-reverse-mortgage/) — Reverse Mortgage · 9 min read
- [Is a Reverse Mortgage a Good Idea?](https://money.com/are-reverse-mortgages-good/) — Reverse Mortgage · 11 min read
- [American Senior/HighTechLending Reverse Mortgages Review](https://money.com/hightech-lending-reverse-mortgages-review/) — Reverse Mortgage · 10 min read

[View All Reverse Mortgages](https://money.com/reverse-mortgage/)

## VA Loans

Explore the intricacies of a VA loan, including benefits, eligibility and funding fees.

- [The Housing Allowance Strategy: Building a Portfolio One Duty Station at a Time](https://money.com/va-loan-bah-strategy/) — VA Loans · 9 min read
- [8 Best VA Loan Lenders of September 2026](https://money.com/best-va-loans/) — VA Loans · 18 min read
- [How to Build Your Credit to Qualify for a VA Home Loan](https://money.com/build-credit-qualify-va-home-loan/) — VA Loans · 11 min read
- [Top VA Lenders: Veterans United Leads the Pack, Plus What Else the Data Shows](https://money.com/top-va-lenders-veterans-united-data/) — VA Loans · 8 min read
- [5 Tips for Getting the Best VA Loan Rate](https://money.com/tips-to-get-the-best-va-loan-rates/) — VA Loans · 9 min read
- [What Is a VA Loan?](https://money.com/what-is-a-va-loan/) — VA Loans · 23 min read
- [VA Construction Loan](https://money.com/va-construction-loan-guide/) — VA Loans · 7 min read
- [Second VA Home Loan](https://money.com/va-loan-for-second-home/) — VA Loans · 9 min read
- [FHA vs VA Loan](https://money.com/fha-vs-va-loan/) — VA Loans · 9 min read

[View All VA Loans](https://money.com/va-loans/)

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## Explore More on Mortgages

- [Adjustable-Rate Mortgage](https://money.com/adjustable-rate-mortgage/)
- [Calculators](https://money.com/calculators/)
- [Cash-Out Refinance](https://money.com/cash-out-refinance/)
- [Closing Costs](https://money.com/closing-costs/)
- [FHA Loans](https://money.com/fha-loans/)
- [First-Time Home Buyers](https://money.com/first-time-home-buyers/)
- [Fixed-Rate Mortgage](https://money.com/fixed-rate-mortgage/)
- [Home Equity Loans](https://money.com/home-equity-loans/)
- [Jumbo Mortgage Loans](https://money.com/jumbo-mortgage-loans/)
- [Mortgage Lenders](https://money.com/mortgage-lenders/)
- [Mortgage Loan](https://money.com/mortgage-loan/)
- [Mortgage Preapproval](https://money.com/mortgage-preapproval/)
- [Mortgage Rates](https://money.com/mortgage-rates/)
- [Mortgage Refinance](https://money.com/mortgage-refinance/)
- [Online Mortgage Lenders](https://money.com/online-mortgage-lenders/)
- [Reverse Mortgage](https://money.com/reverse-mortgage/)
- [USDA Loans](https://money.com/usda-loans/)
- [VA Loans](https://money.com/va-loans/)