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5 Ways to Refinance Your Mortgage - wikiHow

The term length of your loan

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Understand that advertised rates are not reliable. Experts say that when mortgage refinancing companies publish their rates, it is most likely that only about 10% of applicants get to use them. The displayed low rates are used to lure people. It's not always wise to fall for them.

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Know the costs associated with refinancing. It probably doesn't make sense to...

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3 Ways to Get a Better Deal on a Home Loan - wikiHow

Researching Interest Rates

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Watch interest rates. The easiest way to get a lower rate is to wait until the interest rates on loans across the board are at low levels. Interest rates fluctuate a great deal, sometimes even during the same day, but there are times when they are simply lower than at other times. Sometimes periods of low interest rates also see increased home prices, so keep this in...

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5 Ways to Borrow Money With Bad Credit - wikiHow

Getting a Loan from a Friend or Family Member

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Find someone to borrow from. If you have a friend or family member who is willing to loan you some money, this may be your best option, as someone you know is more likely to loan you money on flexible terms and/or at a better rate.

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Agree to terms. Make an agreement with your friend or family member about how much they are willing to loan you and...

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4 Ways to Buy a Home With No Money Down - wikiHow

Applying for a Zero-Down Mortgage as Low Income Applicant

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Gather the basic requirements for a Federal Housing Authority (FHA) Loan. Before applying for an FHA-insured home loan, you must gather all of the documents that you will need in order to submit an application. You will need the following information:

Proof and address of your place of residence for the previous two years.

Social...

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How to Get an FHA Loan: 10 Steps (with Pictures) - wikiHow

Two Parts: Applying for a Loan Considering the Loan Community Q&A

The Federal Housing Administration (FHA) offers special loans to help families who do not qualify for conventional loans purchase housing. All FHA loans are federally insured and all FHA lenders have been approved by the federal government to service the loans. When compared to other types of mortgages, an FHA loan is especially...

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How to Purchase a Foreclosed Home With a VA Home Loan

Three Parts: Finding Foreclosed Homes Obtaining a VA Loan Closing on Your New Home Community Q&A

VA loans are made by banks and other mortgage companies, and they are guaranteed by the Veteran's Administration (VA). The VA guarantee means you'll receive a favorable interest rate. You also don't usually need to make a down payment. Begin by finding the right house for you and your family and...

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The Best Ways to Get a Construction Loan (US) - wikiHow

Three Parts: Researching Loans Gathering Necessary Information Applying for the Loan Community Q&A

It's typically harder to get a construction loan than a regular mortgage. You'll need to shop around, using a construction loan broker if necessary. Hire a builder with a strong reputation and gather required paperwork for your loan application. If approved, you only have to pay interest on the loan...

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How to Buy Your First Home With Bad Credit: 15 Steps

If you want to lease, visit how to buy a house using a lease .

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Temper your expectations. If you have bad credit you might not be able to get a loan for your "first-choice" home, unfortunately. If you do get a loan, you might be burdened with a high interest rate that will have you paying thousands more over the lifetime of the home. Be realistic about what you can afford - buying a home is one...

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