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Looking for a Home Loan?
It takes time to find, apply, and qualify for a home loan that fits your needs. You need to first find a home loan that has a great interest rate, get your finances in order, apply, and then cross your fingers and hope that you will qualify. It is a long process but the end result is definitely worth it if you get the home loan that is right for you.
Fortunately, the Bills.com team has put together the tools, tips and pre-approved home loan lender list that can help you get the home loan that fits your needs. If you are ready to apply, click here and apply to get home loan quotes delivered right to you: Apply for a Home Loan
If you want to do your homework first, the key to making the home loan application process easier is to understand exactly what is in store and know where to turn to find the best APR possible.
With Bills.com, qualifying for a great home loan is a breeze. We offer comprehensive home loan guides, tips, advice, and even a Home Loans Savings Center, to get you the best deal on a loan. If you are a pro seeking the best home loan terms, or a novice looking for your first home loan, Bills.com is your answer.
Bill's Expert Advice
Home Loan Stories
Read a personal story about getting a home loan and gain a better understanding of what's involved.
Home loan success story
Home Loan Questions
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What factors should I look at to see if I can afford a home loan?
Take a look at your monthly income (take home pay), your existing debt, the current interest rate for loans, your down payment amount, closing cost estimates, and your other expenses. You can get a precise estimate on how much you can afford to spend on your home loan each month from a home loan specialist. -
What kind of personal information will I need to apply for a home loan?
Itemize your debt, get your credit report, and list your assets before you start shopping for a home. All this information should help you determine if you can afford a mortgage in your current financial situation. -
Should I insure my home loan?
Yes. If the unexpected happens, the amount you owe to the mortgage company or bank will be taken care of by the insurance company. Do not worry about getting coverage though, if you cannot afford to make the insurance payments.
Home Loan Calculators
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Glossary of Home Loan Terms
Mortgage: the document that legally establishes your property as collateral to the lender for your loan.
APR: the Annual Percentage Rate is the percent of a home loan based on the interest, loan origination fee (points), and mortgage insurance, established as a yearly rate.
Escrow: the point at the end of the mortgage process where the documents and money involved are held by a neutral third party until the transaction has been completed.
Interest Payment: a payment made toward the interest on a loan each month.
HELOC (Home Equity Line of Credit): a loan secured against a house by a second deed of trust. These loans are similar to credit cards in that they can be charged up and paid down for the term of the loan. Typically, the minimum payment due each month is the interest.
Refinancing: a second loan that is procured using the same property as security and used to pay off the original loan.
The Bills.com Blog
Browse through our different financial categories and find the answer to the specific question you have.
Average Mortgage Rates
| program | apr |
|---|---|
| 30 Yr Fixed | 4.54% |
| 15 Yr Fixed | 4.05% |
| 30 Yr Fixed Jumbo | 5.7% |
| 15 Yr Fixed Jumbo | 5.22% |
| 3/1 ARM | 3.56% |
| 5/1 ARM | 3.59% |
| 7/1 ARM | 3.82% |
| 10/1 ARM | 4.18% |
| 3/1 ARM (I/O) | 5.25% |
| 5/1 ARM (I/O) | 3.68% |
| 7/1 ARM (I/O) | 4.06% |
Home Loan Articles and Advice
Home Loan Preparation
Make sure you are familiar with the home loan process before you begin your search. Learn more about the loan basics that everyone needs to know.
Prepare for a home loan
Using a Home Loan Calculator
You can use a home loan calculator to get an idea of what your mortgage payments will be, but you will need to use it correctly to get accurate information. Take a look at this quick guide on how to use a home loan calculator.
Home loan calculator
What to Look for in a Home Loan Lender
How do you find out if a home loan lender is reputable? Learn how to filter through the ads and pitches to find a trustworthy home loan lender.
Signs of a reputable lender
Filling Out Your Home Loan Application
There is a lot of paperwork to fill out when applying for a home loan. Fortunately, this handy guide can coach you through the forms and documents that make up your home loan application.
Home loan application
Finding the Best Home Loan for You
Sometimes trying to find a home loan can be a bit confusing. This guide has the information you need on the three most common home loans available.
Which loan is best?
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