What's the debt-to-income ratio I need for refinancing?

Learn what a hard credit check is, how it affects your credit score, and why lenders use it when you're applying for a mortgage or new line of credit. Read more

An appraisal determines your home’s market value, helping lenders decide how much you can borrow. It’s a required step in the mortgage approval process. Read more

"Can I roll closing costs into a mortgage?" Here you'll discover how to include upfront costs in your new loan, as well as its advantages and disadvantages. Read more