Mortgage Loans
Finance Your Dream Home
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SuperMoney
Compare mortgage rates from top lenders side by side. SuperMoney helps you find the best purchase or refinance rates with no obligation. FHA, VA, and conventional loans available.
Understanding Mortgages
Loan Terms
30-year fixed provides stability, while 15-year saves on interest but has higher payments.
Interest Rates
Rates change daily. Locking in a low rate can save you thousands over the life of the loan.
Down Payment
20% down avoids PMI, but many programs allow for as little as 3% or even 0% down.
Frequently Asked Questions
How much house can I afford?
A general rule is that your monthly housing costs should not exceed 28% of your gross monthly income. Lenders also look at your debt-to-income ratio.
What is PMI?
Private Mortgage Insurance (PMI) is usually required if you put down less than 20% on a conventional loan. It protects the lender if you default.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate of what you might borrow. Pre-approval is a firm commitment from a lender based on verified financial information, making your offer on a home stronger.