New Home Loans and Low Interest Rates

A new home loan, also known as a mortgage, is a lien that relies on your property as security for the repayment of a debt. Before making an offer on a new home, most borrowers get pre-qualified for a new home loan. Because a new home loan comes with charges like lender fees, appraisal fees, escrow and title fees, when you're looking for a new home mortgage, you should always ask for a Good Faith Estimate. This will determine how much you should expect to pay.

Find Competitive New Home Loans

1. Objective

Low interest rate
Fast processing
Excellent customer service
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2. State

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3. Property type

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4. Credit rating

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Articles About New Home Loans

• Five Ways to Make Your Mortgage a Success
  Some simple rules can help make your mortgage experience a success.
• More for Your Mortgage: Time for a Fresh Look at the Housing Market
  The combination of declining mortgage rates and home prices means you can now afford much more home for the same mortgage payment.
• Four Factors in Comparing Mortgage Companies
  Mortgage shoppers should consider these four factors in comparing mortgage companies.
• The How-to-Refinance Toolkit: Apples-to-Apples Rate Comparisons
  When comparing interest rates on mortgage loans from different lenders make sure you're looking at the same kind of loan.
• Falling Mortgage Rates a Bonus for Buyers
  Lower mortgage rates have substantially reduced the overall costs of a new home loan.
• What is a Yield Spread Premium and is it Really Evil?
  Yield Spread Premiums YSPs have been getting a bad rap lately. Here's why they could be the right way for you to pay for your loan.
• Mortgage Fundamentals: Finding a Home Loan You Can Live With
  Despite the mortgage crisis, most people manage to keep up with their home loans and a little planning can help you do the same.
• An Option to Expensive Jumbo Loan Financing
  The news is full of tales of woe in the jumbo loan market. While loans exceeding $417,000 are more expensive and more difficult to come by, you may have money-saving options. Here's one.
• Mortgage Credit Certificates Raise Take-Home Pay
  Mortgage Credit Certificates may help first-time homebuyers lower their tax liability and qualify for larger mortgage payments.
• Mortgage Perks for First-Time Homebuyers
  Although the meaning of "first-time homebuyer" seems obvious, it doesn't necessarily mean you can't have previously owned a home.
• Mortgage Escrow Accounts
  To escrow or not to escrow? The decision to include your real estate taxes and homeowner's insurance in your mortgage payment is often made for you.
• Upside of Reducing your Mortgage with 401(k) Funds
  The second of a three-part series, this column explores circumstances under which it might be advisable to use 401(k) funds to finance a new home loan.
• Funding Mortgages with Retirement Funds
  In the first of a three-part series, this column explores the mechanics of using retirement funds to finance down payments for new home loans. Subsequent columns will investigate the pros and cons of using these resources to reduce mortgage payments.
• Can I Get a Mortgage?
  If you're thinking about buying a house but you're not sure you can get a mortgage, you'll want to read this.
• Drawbacks to Reducing your Mortgage with 401(k) Loans
  In this final installment of a three-part series, the drawbacks to financing a mortgage with a 401(k) loan are discussed.
• IRS Eases Private Mortgage Insurance's Bite
  Private mortgage insurance may be deductible for qualified taxpayers in 2007, taking the sting out of new home loans for some first-time homebuyers.
• Mortgage vs. Rent: Which Option Suits You Best?
  To mortgage or not to mortgage, that's the question many young professionals ask themselves when transitioning from college to career.
• Mortgages 101
  Learn the basics of home loans, from conventional loans with down payments to ARMs with adjustable mortgage rates.
• Got Bad Credit? Take These Steps Toward a Better Home Loan
  A poor credit history doesn't have to ruin your chances of getting a favorable home loan. Read on to find out why.
• Avoid Taking Home Loans from Predatory Lenders
  These tips will make you a smarter mortgage consumer and more likely to get a home loan that's right for you.

How to Refinance

• Why Length Matters
• Apples-to-Apples Rate Comparisons
• What Rising Rates Mean for Refinancing
• Adjustable-Rate Mortgages

Mortgage Calculators

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• Mortgage Payment Tables
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