FHA Streamline Refinance Closing Costs: How to Pay Less Out of Pocket
An FHA Streamline Refinance replaces a current FHA loan with a new FHA loan, which may lower your interest rate or monthly payment, with less paperwork than a…
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Tim Lucas
Tim Lucas (NMLS #118763) was an editor of MyMortgageInsider.com. He has appeared on Time.com, Realtor.com, Scotsman Guide, and more.
Articles by Tim Lucas
Current Mortgage Interest Rates
Current mortgage interest rates change every day. For a benchmark, check Freddie Mac’s Primary Mortgage Market Survey (PMMS), which posts the average 30-year and 15-year fixed rates every…
Get an FHA Streamline Even if You Have a Second Mortgage
Some buyers find that they have built equity in the home a few years after buying it using an FHA mortgage. So they take out a home equity…
FHA MIP Refund Chart & Guide | 2026 Mortgage Insurance Premiums
Home buyers pay an upfront mortgage insurance premium when they close on an FHA loan. The FHA MIP refund chart shows how much of that fee they may…
FHA Cash-out Refinance 2026 | Tap Into Your Home Equity
Editor’s note: Starting September 1, 2019, HUD, the administrator of FHA loans, reduced the maximum FHA cash-out refinance loan-to-value to 80%, down from 85%. What is an FHA…
5 Ways to Buy a Home with 5% Down or Less
One of the most common misconceptions about mortgages is that you need 20% down to buy a home. Options for buyers with 5 percent down or less show…
USDA Loans: First-time Home Buyer’s Guide 2026
First-time home buyers can get three big benefits from a USDA loan: If you meet the USDA’s geographic and income rules, a USDA Guaranteed Loan could make you…
Down Payment Gift Money for First-Time & Repeat Home Buyers
A down payment gift from family members can help first-time and repeat home buyers. You don’t have to come up with a down payment by yourself. If your…
Seller Contribution Maximums for Conventional, FHA, VA, USDA | 2026
Mortgage closing costs range from 2-5% of a home’s purchase price. That can add up. Many sellers are eager to pay your closing costs to sell their home…
Conventional Refinance | Rates, 2026 Loan Limits & Guidelines
A conventional refinance is one of the most versatile loans in today’s market. Conventional refinances can convert any type of mortgage loan into a conventional loan. Simultaneously, a…