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VA home loans: Everything America’s military veterans need to know

Can existing VA borrowers lower their interest rates? The Interest Rate Reduction Refinance Loan (IRRL) gives existing VA loan holders the opportunity to get a lower interest rate ... Request a COE fr... read more

Types of home loans: How do I choose the right home loan?

If you can get a lower interest rate with one of these products, and expect to sell your home or refinance within ... between government-backed loans like FHA, VA and USDA, and conventional ... read more

8 million Americans could get a lower rate on their student loans

Eight million Americans could get a lower interest rate ... loans. Short of getting someone else to help shoulder the cost (good luck with that), refinancing is one of the only ways that could both lo... read more

How to get a mortgage when you have bad credit

It can be a pain: A poor credit score makes it tougher to get approved for credit cards and loans. And when you are approved, the interest rates are ... it might be better to rehab your credit score a... read more

How to protect yourself — and benefit — from Fed rate hikes

Because the federal funds rate is basically the “cost” of money ... your loan amount lower. Compare auto loan rates in your area. The market does not set interest rates on federal student loans — the ... read more

Car refinancing: Risks & benefits of auto loan refi

You're looking for some extra cash, and you see the ad on TV: Refinance your car and save money, or just lower ... the auto loan," Ulzheimer said. Likewise, if interest rates were high when you purcha... read more

When It Makes Sense to Refinance Your Mortgage

So if you’re a homeowner with good credit and a solid income, now might be an opportune time to refinance. As a general rule, refinancing—that is, paying off your current mortgage and taking out a new ... read more

No, you don’t need 20 percent down or even close to it

Doing so, the logic went, would help them secure a good interest rate ... loans come with lower rates than twenty-percent down conventional programs. Low rates are widely available. Get a quote ... read more

Don't know your mortgage rate? You could be costing yourself thousands

Not knowing your mortgage ... the same as fixed-rate mortgages, says Choy. "It's always better to get a fixed-rate loan than an ARM when interest rates are equal. Now is a good time to refinance an AR... read more

5 Times When You Shouldn’t Refinance Your Mortgage

You Don’t Plan on Staying in the House If you plan on selling your home in the next five years, then hold off on refinancing it. The move will likely only waste your time and money ... mortgage is bec... read more

Should I get a fixed- or adjustable-rate mortgage?

One of the first things you have to figure out is whether you should get ... lower than on fixed-rate mortgages, so your monthly payments will likely be lower for at least a few years. And if you find ... read more