Understand your mortgage options
Guides to refinancing, first-time buyer programs, FHA and VA loans and home equity, plus a directory of mortgage brokers by state.
What you will find here
Mortgage Bargains explains how home loans work in the United States: what each loan type costs, who qualifies and what to compare before you apply. Guides are drafted with AI tools and reviewed by our editorial team using public program rules.
The broker directory is compiled from public business listings and is not an endorsement. We do not make loans or give personal advice; see our disclaimer and editorial policy.
Loan topics explained
RefinancingRates, costs and break-even math for replacing your current loan.
First-time buyersPrograms, down payments and the steps before your first purchase.
FHA loansHow government-insured loans work and who they suit.
VA loansHome loan benefits for eligible service members and veterans.
Home equityHome equity loans and lines of credit, and the risks of borrowing against a home.
Mortgage ratesWhat moves the rate a lender offers, and how to compare offers fairly.Newest guides
- How mortgage rates for refinancing are set and what moves the rate a lender offers you
- What a home mortgage refinance calculator needs from you and how to read the break-even month
- 30 year mortgage refinance rates and the cost of restarting a 30-year term
- Jumbo mortgage refinance rates above the conforming loan limit and what lenders price in
- HELOC vs refinance when you want cash but want to keep your current first mortgage rate
- Who actually gets the lowest mortgage refinance rates that lenders advertise