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
    Buy a Home Overview
    Home Purchase Loan Resources | Learn everything there is to know about a home purchase loan and get the best rate possible from our family of providers at Bills
  • Betsalel Cohen
    Is Homebuyer Counseling Beneficial?
    A recently published paper shows that Homebuyer Education and Counseling programs are beneficial. They help create more informed consumers, who make better...
  • Betsalel Cohen
    Mortgage Tips - Getting Qualified for a Mortgage
    Bills.com mortgage tips will help guide you through the shopping process. The first step is to get qualified for a mortgage. You can save the most money...
  • Betsalel Cohen
    Home Affordability | Regional HOI Index
    Home Affordability varies over different regions and neighborhoods. Make sure that you look at local data and prepare your finances so that your income...
  • Bills.com Team
    No Down Mortgage
    The VA, USDA, and some local governments offer no-down mortgages. If you do not qualify, you have several good options for low-down mortgages from...
  • Bills.com Team
    Conforming Loan
    Conforming loan limit for a one-unit residence in 2012 is $417,000 for most of the US. You must know the limits in your area because...
  • Mark Cappel
    Mortgage After Bankruptcy
    You can qualify for a mortgage after bankruptcy as early as 12 months after the discharge. Learn the FHA and VA's rules for bankruptcy...
  • Mark Cappel
    Home Loans For People With Bad Credit
    Learn about government programs to help homebuyers who have bad credit. You may be eligible for a no- or low-down payment loan...
  • Betsalel Cohen
    PMI: Low Down Payment
    PMI | If you are looking to buy a house and take a mortgage loan with a low down payment then PMI can...
  • Daniel Cohen
    US New Home Sales Plummet in Feb 2011
    New home construction fell to a record low, in February 2011. This happened at the same time that there were a low number of existing homes sold.
  • Daniel Cohen
    7 Reasons to Choose a Mortgage Broker
    7 Reasons to Choose a Mortgage Broker | Read about the advantages of working with a mortgage broker. The biggest reason to work with a broker is that you...
  • BS
    Home Purchase Testimonial
    Read a personal story about a family and their home purchase loan, and gain a better understanding of what's involved.
  • BS
    How to Find a Great Mortgage
    Looking for a great deal on a mortgage but don't know where to begin? Learn how to find the best deal on a mortgage.
  • BS
    Tips for Home Buyers
    Buy a new home before you sell your current one with these home buying tips from Bills.com.
  • FP
    Buying a Home in Today's Market
    Undervalued homes, low interest rates, and less competition make now an ideal time to buy a home.
  • Mark Cappel
    Buying a Foreclosure Today
    Things to Consider When Buying a Foreclosed Home
  • BS
    Buying a Home Step 3: Make an Offer
    The seller may accept your offer to purchase, reject it, or make a counteroffer.
  • Mark Cappel
    How to Buy a Home
    Purchasing a home will most likely be among your largest and most important investments. Determine the pros and cons of owning a home to make the best decision.
  • Get Mortgage Rates!
  • 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

More Home Purchase Articles


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