Alliant Credit Union offers conventional, FHA, VA, and jumbo mortgages in most states through a fully online, not-for-profit model. Review its rates, fees, credit requirements, and customer feedback.

Home equity investment (HEI) companies give homeowners a lump sum of cash today in exchange for a share of the home’s future value. An HEI has no stated interest rate or required monthly payment, but ...

Your credit history and credit score make a big difference when you apply for a mortgage. But good credit doesn’t happen by accident. Learn how to build credit from scratch or improve your credit ...

You can use reverse mortgage proceeds to pay off a federal tax lien, but the lien typically needs to be resolved at or before closing. HUD permits HECM approval if you have an active IRS repayment ...

Home prices are expected to stay largely stable in 2026, with only modest regional changes. Housing inventory will likely improve modestly, giving buyers more options but not fully solving ...

Most lenders require a debt-to-income ratio below 43% and a credit score between 620 and 640 for home equity loan approval. Some may accept a higher DTI if you present strong compensating factors.

A complete guide to how mortgage rates work, what moves them, and where they stand right now. Quick take. Mortgage rates do not come from one place. They are shaped by Treasury yields, mortgage-backed ...

Between 2012 and 2022, America saw 6.5 million more households formed than single-family homes built. And there was hardly a glut of homes at the start of that decade. Talk about a housing shortage.

If you’re sitting on a first mortgage rate from 2020 or 2021 and you need cash for renovations, you already know you’re not refinancing. The next question is which second lien actually fits your ...

The Mortgage Reports analyzed ATTOM and HMDA data to build the first-ever Home Equity Gap Index, ranking all 50 states by how much equity homeowners have vs. how often they actually use it. Texas ...

Your credit score is the single biggest driver of home equity loan rates, with spreads of 3–4 percentage points between top and bottom tiers. Raising your score, even slightly, especially past 680 or ...

Can I buy a house with no down payment? If you’re looking for a no-down-payment mortgage, there are a few options to explore. Government-backed VA and USDA loans allow no down payment but have special ...