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Every page on MortgageMath US: topic hubs, guides, state and market pages, calculators, articles and the glossary.
Topic hubs and guides
- Buying a home with a mortgage, step by step
- First-time home buyer guide
- Borrowing against your home equity
- Types of mortgage loans, compared
- Refinancing your mortgage: when it pays and how it works
- Appraisal and home inspection
- Closing costs for buyers, line by line
- What credit score do you need for a mortgage?
- Debt-to-income ratio (DTI) for a mortgage
- How much down payment do you need?
- Loan Estimate and Closing Disclosure
- Mortgage points and lender credits
- How mortgage rates work
- Private mortgage insurance (PMI) explained
- Mortgage pre-approval, step by step
- Down-payment grants and assistance loans
- Homebuyer education courses
- First-time home buyer mistakes to avoid
- Mortgage credit certificates (MCCs)
- First-time home buyer programs
- Saving for a home: targets, timelines and shortcuts
- How to buy your first home, step by step
- Who counts as a first-time home buyer?
- Cash-out refinance vs HELOC
- HELOC draw and repayment periods
- How a HELOC works
- Is home equity interest tax-deductible?
- Home equity loans explained
- Home equity loan and HELOC requirements
- Risks of borrowing against your home
- How much equity can you borrow?
- Construction loans explained
- Conventional loans explained
- DSCR investor loans explained
- FHA loans explained
- Fixed-rate vs adjustable-rate mortgages
- Interest-only mortgages
- Jumbo loans explained
- Reverse mortgages explained
- USDA loans explained
- VA loans explained
- Refinance break-even point: simple and full
- Cash-out refinance: how much you can take and what it costs
- No-closing-cost refinance: how it really works
- Rate-and-term refinance explained
- Refinance closing costs
- Refinance requirements by loan type
- Refinancing to remove PMI or FHA mortgage insurance
- Streamline refinances: FHA Streamline and VA IRRRL
- When not to refinance your mortgage
Calculators
States and markets
- Alabama mortgages: low property taxes, recording taxes and AHFA help
- Alaska mortgages: higher loan limits, AHFC loans and local taxes
- Arizona mortgages: home prices, property tax limits and buyer programs
- Arkansas mortgages: low housing costs, ADFA help and the homestead credit
- Buying a home in Atlanta: payments, property taxes and Invest Atlanta programs
- Buying a home in Austin: prices, property tax bills and city down payment help
- Buying a home in Boston: prices, property tax and city help
- California mortgages: Prop 13 taxes, CalHFA help and the FAIR Plan
- Buying in Charlotte: home prices, monthly costs and HouseCharlotte help
- Buying a home in Chicago: property taxes, transfer taxes and payments
- Colorado mortgages: high prices, low tax rates and CHFA assistance
- Buying in Columbus, Ohio: prices, property taxes and ADDI help
- Connecticut mortgages: property taxes, CHFA Time To Own and older homes
- Buying a home in Dallas: property taxes, DHAP help and what it costs
- Delaware mortgages: the realty transfer tax, low property taxes and DSHA loans
- Buying a home in Denver: payments, loan limits and down payment help
- DC mortgages: recordation tax, homestead deduction and HPAP
- Florida mortgages: insurance, doc stamps, homestead savings and buyer help
- Georgia mortgages: closing taxes, Georgia Dream and homestead relief
- Hawaii mortgages: loan limits, payments and state help
- Buying a home in Houston: prices, payments and buyer help
- Idaho mortgages: the homeowner’s exemption, payments and Idaho Housing help
- Illinois mortgages: property taxes, exemptions and IHDA help
- Indiana mortgages: the 1% tax cap, IHCDA help and what a home costs
- Iowa mortgages: Title Guaranty, the new homestead exemption and FirstHome
- Kansas mortgages: forgivable buyer loans, property tax and rural guarantees
- Kentucky mortgages: payments, KHC down payment help and the deed tax
- Las Vegas home buying: property taxes, transfer tax and payments
- Buying a home in Los Angeles: loan limits, Measure ULA and LAHD help
- Louisiana mortgages: insurance, flood risk, homestead and LHC help
- Maine mortgages: the shared transfer tax, MaineHousing loans and the homestead exemption
- Maryland mortgages: closing taxes, first-time buyer breaks and MMP loans
- Buying a home in Massachusetts: prices, the deeds excise and MassHousing help
- Buying a home in Miami: payments, documentary stamps and flood insurance
- Buying a home in Michigan: uncapped taxes, the PRE and MSHDA help
- Minnesota mortgages: the deed tax, the mortgage registry tax and Start Up loans
- Mississippi home loans: low prices, MHC second mortgages and the homestead credit
- Missouri home loans: how homes are taxed and how MHDC’s cash assistance works
- Montana home buying: the price-to-income gap, the homestead rate and MBOH loans
- Nashville home buying: prices, recordation taxes and property tax
- Nebraska home loans: what property tax does to your payment, and NIFA help
- Nevada mortgages: the property tax cap, the transfer tax and Home Is Possible
- New Hampshire mortgages: property tax, a two-sided transfer tax and NH Housing help
- New Jersey mortgages: property taxes, transfer fees and NJHMFA help
- New Mexico mortgages: the valuation reset, monthly costs and FirstHome help
- Buying a home in New York City: payments, closing taxes and HomeFirst
- New York mortgages: the recording tax, mansion tax and SONYMA help
- North Carolina mortgages: NCHFA help, the excise tax and monthly costs
- North Dakota mortgages: the residence credit, NDHFA loans and monthly costs
- Ohio mortgages: monthly costs, property taxes and OHFA help
- Oklahoma mortgages: recording taxes, OHFA help and the homestead cap
- Oregon mortgages: high prices, capped tax values and OHCS help
- Pennsylvania mortgages: the realty transfer tax, PHFA help and monthly costs
- Buying a home in Phoenix: property taxes, payments and Open Doors help
- Raleigh mortgages: what homes cost and how the City helps buyers
- Rhode Island mortgages: the conveyance tax, RIHousing help and monthly costs
- San Diego mortgages: prices, county loan limits and buyer help
- Buying a home in Seattle: payments, excise tax and city down payment loans
- Buying a home in South Carolina: payments, the 4% ratio and SC Housing
- South Dakota home buying: monthly costs, property tax and SD Housing loans
- Buying in Tampa: payments, doc stamps, flood risk and city help
- Tennessee home loans: payments, recordation taxes and THDA help
- Texas mortgages: payments, property taxes and buyer programs
- Utah mortgages: home prices, the 45% residential exemption and Utah Housing help
- Buying in Vermont: the property transfer tax, homestead taxes and VHFA help
- Virginia mortgages: recordation taxes, monthly payments and Virginia Housing
- Washington, DC housing market: renting vs owning in the capital
- Washington State home buying: prices, the graduated REET and WSHFC help
- West Virginia home buying: prices, property taxes and WVHDF loans
- Wisconsin home buying: property tax, WHEDA loans and closing costs
- Buying a home in Wyoming: closing costs, property tax and WCDA help
Articles
- 15-year vs 30-year mortgage: what the shorter term really costs and saves
- ARM risks explained, with the numbers
- Biweekly mortgage payments: do they save money?
- Second home vs investment property: how the mortgage changes
- Buying a home with a co-signer
- Down-payment assistance programs: how the states compare
- Escrow accounts explained: how the money moves, and why your payment changes
- FHA vs conventional: which costs less over 5 and 10 years?
- Homeowners insurance and your mortgage
- How a mortgage rate lock works
- How lenders calculate debt-to-income, line by line
- How much house can I afford on $100,000 a year?
- How much house can I afford on $150,000 a year?
- How much house can I afford on $50,000 a year?
- How much house can I afford on $75,000 a year?
- How property taxes change your mortgage payment
- How to lower your closing costs
- How to pay for a home renovation
- Is refinancing worth it? Start with what you want it to do
- Getting a mortgage after bankruptcy or foreclosure
- Getting a mortgage when you’re self-employed
- Points or a bigger down payment: where extra cash at closing saves more
- Pre-approval vs pre-qualification: which one do you need, and when?
- Reverse mortgage pros and cons
- Can you use a VA loan twice?
Glossary
- Ability-to-repay rule
- Adjustable-rate mortgage (ARM)
- Amortization
- Appraisal
- Annual percentage rate (APR)
- Index (ARM)
- Margin (ARM)
- Assumable mortgage
- Automated underwriting
- Balloon payment
- Break-even point
- Cash-out refinance
- Cash to close
- Closing costs
- Closing Disclosure
- Closing (settlement)
- Combined loan-to-value (CLTV)
- Conforming loan limit
- Conforming loan
- Contingency
- Conventional loan
- Credit score
- Debt-to-income ratio (DTI)
- Deed of trust
- Discount points
- Down-payment assistance
- Down payment
- Draw period
- DSCR loan
- Due-on-sale clause
- Earnest money
- Escrow account
- Fannie Mae and Freddie Mac
- FHA loan
- First-time homebuyer
- Fixed-rate mortgage
- Flood insurance
- Forbearance
- Foreclosure
- Gift letter
- HELOC
- HOA dues
- Home equity loan
- Home equity
- Home inspection
- Home Possible
- Homeowners insurance
- HomeReady
- Homestead exemption
- Housing ratio (front-end ratio)
- Interest-only loan
- Interest rate
- IRRRL (VA streamline)
- Jumbo loan
- Lender credit
- Lien
- Loan Estimate
- Loan modification
- Loan term
- Loan-to-value ratio (LTV)
- Manual underwriting
- Mortgage credit certificate (MCC)
- Mortgage insurance premium (MIP)
- Mortgage recording tax
- Mortgage servicer
- Non-QM loan
- Origination fee
- PITI
- Primary Mortgage Market Survey (PMMS)
- Pre-approval
- Pre-qualification
- Prepaid items
- Prepayment penalty
- Prime rate
- Principal
- Private mortgage insurance (PMI)
- Promissory note
- Property tax
- Qualified Mortgage (QM)
- Rate-and-term refinance
- Rate caps
- Rate lock
- Mortgage recast
- Recording fee
- Refinance
- Reserves
- Residual income
- Reverse mortgage (HECM)
- Right of rescission
- Seller concessions
- Short sale
- Streamline refinance
- Title insurance
- Transfer tax
- Underwriting
- Upfront mortgage insurance premium (UFMIP)
- USDA loan
- VA entitlement
- VA funding fee
- VA loan