Articles for Home Buyers

Browse our collection of articles to learn more about buying a home and getting a mortgage, whether you are a first timer or a veteran.

Our articles on buying a home cover topics from choosing a realtor, to how to go about securing a home loan, to the ins and outs of FHA loans. It is our goal to  equip you with all you need to know to make the right decisions as you take this big step. You may find more useful material in our archive of Ask Bill questions about buying a home.

  • Betsalel Cohen
    Freddie Mac's Home Possible Low Downpayment Mortgage
    The Home Possible Mortgage offered by Freddie Mac helps first-time low-to moderate-income homebuyers by offering a three-percent down payment. Compared to ...
  • Betsalel Cohen
    Home Affordability in 2018
    Buying a home is a major concern for many households. Will rising mortgage rates be offset by higher wages? Will rising home prices make it impossible to...
  • Betsalel Cohen
    Mortgage Insurance Popularity Growing
    Many first time home buyers are using Private Mortgage Insurance together with conventional low down payment mortgages. Instead of using FHA loans, borrowers...
  • Mark Cappel
    Mortgage Laws
    Learn if your state mortgage laws require both spouses to sign mortgages or mortgage refinances. Some states require you to hire a lawyer, or a special notary.
  • Betsalel Cohen
    Home Affordability Index Tips
    Before buying a home and taking a mortgage learn about Home Affordability. Housing prices, income, and interest rates are important factors to consider when...
  • Mark Cappel
    Real Property Law
    Details on joint tenancy, tenancy in common, and tenancy by the entirety, and under what circumstances you should chose one of these forms of title...
  • Daniel Cohen
    Down-Payment to Buy a Home
    Down-Payment to Buy a Home | Although your down payment may require you to use more cash than any other part of your home purchase, make sure to account for...
  • Mark Cappel
    CFPB Mortgage Disclosure
    The CFPB wants mortgage disclosures to be short and simple. Its Loan Estimate and the Closing Disclosure forms aim to...
  • Mark Cappel
    Best Mortgage Lenders
    Because lenders are constantly changing their underwriting standards, incentives, and interest rates, a good deal from one lender today might be...
  • Mark Cappel
    How Much Mortgage Can I Afford
    Learn how much mortgage you can afford, and the top 10 documents lenders require from borrowers. Most make financial sense, but No. 1 may surprise you...
  • Daniel Cohen
    Mortgages to Stay at Historic Lows
    Two federal agencies released reports during the week of March 21, 2011 that suggest mortgage rates will remain at their historic lows for the near term.
  • Daniel Cohen
    Qualifying For a Mortgage
    Qualifying for a mortgage | Qualifying for a mortgage means meeting a lender's standards for income, credit, debt-to-income ratio, and loan-to-value. Be sure...
  • BS
    First Time Homebuyer Testimonial
    Read a personal story about a first time homebuyer and gain a better understanding of what's involved.
  • Mark Cappel
    Mortgage with Bad Credit
    Do you want to purchase a home, but have bad credit? Review the right steps to take to buy a house, when you are burdened with bad credit, at Bills.com.
  • BS
    Home Loan Application
    Learn what you need to do to prepare for your home loan application.
  • BS
    Smart Home Buying
    Avoid costly repairs by doing your research
  • Betsalel Cohen
    Buying a Home Step 6: Seal the Deal
    Buying a Home Guide - Seal the Deal | After finding the mortgage right for your situation, make sure that you carefully review the closing documents and...
  • BS
    Buying a Home Step 2: Find a Home
    It often pays to attend several open houses where sellers open up their homes to potential buyers.
  • Daniel Cohen
    Home Buying Guide
    A guide for home buyers - preparing to get a mortgage and buy a home and then find the best mortgage for you
  • Get Mortgage Rates!
  • Betsalel Cohen
    Home Prices Overview
    Home prices greatly affect your ability to purchase a home. Home prices fluctuate over time, as well as over geographic region. Finding an affordable house...
  • Betsalel Cohen
    Reasons Households Prefer Renting 2018
    Many households cannot afford to buy a home. Affordability is the main reason for renting a home. The second main reason is lifestyle options. If you are...
  • Betsalel Cohen
    Fit Your House to your Family
    A growing family is a great time to re-consider your housing needs. The first step you need to take is to set your limits. Make sure that your mortgage is...
  • Betsalel Cohen
    Should You Rent or Buy?
    Rent vs Buy? Not easy to make a decision. Start by considering your lifestyle preferences. Then, look at your financial situation, including your budget and...
  • Betsalel Cohen
    Home Affordability: Preparing for the 2013 Housing Market
    Housing Market 2013 and Home Affordability: There are signs that housing prices and mortgage rates will increase in 2013. Make sure that you can afford...
  • Betsalel Cohen
    Pre-Approval and Pre-Qualify for a Mortgage Loan
    Mortgage Pre-Qualification and Pre-Approval | Before you purchase a home or refinance a mortgage make sure you are prepared to qualify. Ask the lender for a...
  • Mark Cappel
    Mortgage After Foreclosure
    Learn the waiting period for qualifying for a mortgage after bankruptcy, foreclosure, and short sale. Also learn how to recover from these events.
  • Mark Cappel
    No Credit Check Mortgage Lenders
    Yes, it is possible to find a lender who will lend you money if you have no or poor credit. But the circumstances for doing so are not common...
  • Betsalel Cohen
    The Costs of PMI
    Mortgage Insurance | Learn about the different types of Mortgage Insurance, the Mortgage Insurance Companies, and the different factors in the cost...
  • Daniel Cohen
    Why is My Loan Taking so Long?
    Added costs and repeated information requests contribute heavily to mortgage borrower fatigue. Ultra-strict Fannie Mae and lender underwriting guidelines are an
  • Daniel Cohen
    Obama Proposes Mortgage Servicer Standards
    The primary focus of the proposed rules is to expedite the handling of second mortgages in short sales.
  • BS
    First Time Buyers
    Find first time homebuyer information and resources from Bills.com - your online source for saving money. Learn what you need to know as a first time homebuyer.
  • Daniel Cohen
    Choosing a Real Estate Agent
    Learn how to choose a real estate agent and make your home selling experience trouble free.
  • Mark Cappel
    Predatory Lending
    Predatory lending practices are not only dishonest, they cost consumers thousands of dollars. Learn more about predatory lending and how to avoid it.
  • Sophia Shoemaker
    Home Loan Rates
    Find out today's mortgage rate and see if you should get a home loan to purchase your dream home.
  • BS
    Looking to the Future of the American Housing Market
    As a result of foreclosures and a likely shift in age demographics, home ownership will decline in the future.
  • Mark Cappel
    Buying a Home Step 4: Home Inspection, Title Search
    Remember that your good faith estimate is just that: an estimate. Closing costs may vary.
  • Daniel Cohen
    Finance My Home
    Finance My Home | Your mortgage is the biggest debt you have. Make sure to read these home purchase tips before you apply for a mortgage loan, so you can get th
  • Mark Cappel
    Rent to Own a Home
    Is renting a home with the option to buy a wise choice? Yes, if the local market conditions are weak, your credit is poor, and the owner is eager to sell...

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