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  Comparing your loan options
• Start & Manage Your Loan Show 'Start & Manage Your Loan' Drop-Down Menu
  Before you apply

  Find a Mortgage Loan Officer

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  Get prequalified

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  Manage your loan
• Learn more about Home Loans Show 'Start & Manage Your Loan' Drop-Down Menu
  Buy a home

  • Buying vs. renting Articles:
    • Renting vs. owning
    • Pros and cons of homeownership
    • Tax considerations of homeownership
    • Understanding your mortgage options
    • Tips every homebuyer should know
    • Buying a bank-owned property
    • Buying a short sale home
    • How much should you put down?
    Videos:
    • Are you prepared for unexpected repairs?
    • Is building equity part of your long-term financial plan?
    • How important are tax benefits to you?
    • What can affect the amount of a loan?
    • What different types of loans exist?
    • What can you comfortably afford?
    • What savings do you need when buying a home?
    Tools
    • Mortgage Calculator
    • Affordability Snapshot
    • Bank-Owned Properties
    • Real Estate Center
    • Closing Costs Calculator
  • Budgeting for a home Articles:
    • What you owe vs. what you make
    • What can you comfortably afford?
    • Being part of a homeowners association
    • Budgeting for taxes and insurance
    • How much should you put down?
    • Saving for a down payment
    • Buying points to lower your rate
    • What are gift funds?
    • Buying a second home
    Videos:
    • Are you prepared for unexpected repairs?
    • What savings do you need when buying a home?
    • What can affect the amount of a loan?
    • What does it mean to buy points?
    • What can you comfortably afford?
    • How do you calculate debt-to-income ratio?
    • What is a credit score and why is it important?
    • How can you manage your home's expenses?
    Tools:
    • Mortgage Calculator
    • Affordability Snapshot
    • Closing Costs Calculator
  • Starting your home search Tools:
    • Real Estate Center
    • Bank-Owned Properties
  • The impact of your credit Articles:
    • How credit affects your interest rate
    • Taking control of your credit score
    Videos:
    • What can affect the amount of a loan?
    • How can credit and savings impact your loan?
    • What is a credit score and why is it important?
    Tools:
    • Find a Mortgage Loan Officer
  • Finding the right loan Articles:
    • Finding the right lender
    • Clarity Commitment^®
    • Understanding your mortgage options
    • Government loans (FHA and VA)
    • Jumbo loans
    • APR vs. interest rate
    • Buying points to lower your rate
    Videos:
    • What different types of loans exist?
    • What does it mean to buy points?
    • Which partners will you work with throughout the home loan process?
    • How do you lock in a rate?
  • Applying for a loan Articles:
    • Finding the right lender
    • Clarity Commitment^®
    • Prequalification
    • How loans are approved
    • Making an offer
    • Applying for your loan
    • What to expect at your home inspection
    • The home appraisal process
    Videos:
    • What different types of loans exist?
    • Which partners will you work with throughout the
      home loan process?
    • How do you make an offer?
    • How will the offer be met?
    • What do you need to apply for a loan?
    • What is homeowners insurance?
    • Why do you need a home inspection?
    • What is a title check?
    • How do you lock in a rate?
    • What happens after you submit your application?
    • What will you receive from the lender?
  • Closing on your loan Articles:
    • Key players in the home loan process
    • What happens at closing?
    • What is a mortgage accelerator program?
    Videos:
    • What does it mean to buy points?
    • What are closing costs?
    • What will you need to bring to closing?
    • What happens on closing day?
    • Why should you set up an escrow account?
    • How can you manage your home's expenses?
    Tools:
    • Find a Mortgage Loan Officer
    • Closing Costs Calculator

  Refinance

  • Reasons to refinance Articles:
    • Refinancing to a fixed rate
    • Refinance to lower your monthly payment
    • Is a cash-out refinance right for you?
    Tools
    • Refinance Estimator
  • Before you refinance Articles:
    • Preparing to refinance
    • Clarity Commitment^®
    • How credit affects your interest rate
    • Taking control of your credit score
    • APR vs. interest rate
    • Finding the right lender
    • Evaluating the equity in your home
    Tools:
    • Refinance Estimator
    • Find your home's value
  • Find your home's value
  • Understanding your new payment Articles:
    • What you owe vs. what you make
    • What can you comfortably afford?
    • Buying points to lower your rate
    • What is a mortgage accelerator program?
    Tools:
    • Refinance Estimator
    • Today's Rates
  • Applying for a refinance loan Articles:
    • Applying for your loan
    • The home appraisal process
    • Key players in the home loan process
    • How loans are approved
    Tools
    • Refinance Estimator
  • Closing on your refinance loan Articles:
    • How loans are approved
    • What happens at closing?
    Tools
    • Refinance Estimator
    • Find a Mortgage Loan Officer

  Use home equity

  • Home equity loan Articles:
    • Home equity loans
    • Home equity borrowing options
    • Home equity: loan vs. line of credit
    • Evaluating the equity in your home
    • Is a cash-out refinance right for you?
    • What you owe vs what you make
    • What can you comfortably afford?
    • How credit affects your interest rate
    • Taking control of your credit score
    • Clarity Commitment^®
    Tools:
    • Home equity application
    • Find your home's value
  • Home equity line of credit Articles:
    • Home equity lines of credit
    • Home equity borrowing options
    • Home equity: loan vs. line of credit
    • Evaluating the equity in your home
    • What you owe vs what you make
    • What can you comfortably afford?
    • How credit affects your interest rate
    • Taking control of your credit score
    • Clarity Commitment^®
    Tools:
    • Find your home's value
  • Home equity application
  • Find your home's value
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