Is it possible to opt out of escrow homeowners insurance?

Learn the minimum credit score needed to apply for a mortgage or refinance, and understand how credit requirements vary by loan type and purpose. Read more

Learn what a mortgage gift letter is and how it helps lenders confirm that the gifted funds for a down payment or closing costs are not counted as debt. Read more

Do you need proof of income to refinance a mortgage? Understand if lenders typically require verification paperwork and how to prepare for a smooth process. Read more