Mortgage Education

Use our AI Tools to Learn All You Need to Know About Mortgages

Enter your question above or click one of the most common questions below:

Mortgage Rates Questions

Why are mortgage rates so high right now?
What affects mortgage interest rates?
How often do mortgage rates change?
Are mortgage rates expected to go up or down this year?
What is the average mortgage rate today?
Why do advertised mortgage rates differ from what I’m quoted?
How do I get the best mortgage rate?

General Mortgage Questions

How much mortgage can I afford?
What credit score do I need to buy a house?
What is the minimum down payment for a home loan?
What’s the difference between a fixed and adjustable-rate mortgage?
Should I get a 15-year or 30-year mortgage?

Mortgage Process Questions

Should I get a 15-year or 30-year mortgage?
How long does it take to get approved for a mortgage?
Why did I get denied for my mortgage?
Can I get a mortgage if I’m self-employed or have bad credit?
How can I improve my chances of mortgage approval?

Mortgage Types and Programs Questions

What’s an FHA loan and do I qualify?
Should I go with a conventional or government-backed loan?
What are the pros and cons of VA, USDA, and FHA loans?
Can I get a mortgage with no money down?
Is it better to use a mortgage broker or go directly to a lender?

Mortgage Fees and Closing Questions

What are points and should I buy them?
What’s included in my monthly mortgage payment?
What are closing costs and how much are they?
Can I roll closing costs into the mortgage?
How do I avoid paying private mortgage insurance (PMI)?
What are hidden fees I should watch out for?

DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.

The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.

Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai

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