Guides

Plain-English mortgage guides.

Free articles you can read without signing up. Each one explains how a program or decision works, the tradeoffs, and the questions to ask.

Renovation loans

FHA 203(k) vs. HomeStyle

How renovation loans work, what each program allows, and who each one fits.

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VA loans

VA renovation loans and VA loan requirements

Eligibility, the COE, the funding fee, and buying, building, or renovating with the VA benefit.

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First-time buyers

Down payment assistance in North Carolina

State and local programs, grants vs. second loans, income limits, and five questions to ask.

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Home equity

HELOC vs. cash-out refinance

Which equity tool fits, what each costs, and when neither does.

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Refinancing

Escrow refunds after a refinance, and waiving escrow

When the old servicer refunds your escrow, how long it takes, and whether waiving escrow makes sense.

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Free tool

Compare Loan Estimates side by side

Upload two to four Loan Estimates or type them in. See lender-controlled costs, points break-even, and questions to ask. Files never leave your device.

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When you're ready

When you're ready, compare Loan Estimates from two or three licensed lenders you choose. You can check any lender's license at nmlsconsumeraccess.org. A HUD-approved housing counselor is a free, no-sales option.