If you’re thinking of purchasing a home, don’t go with just any real estate agent: Get a full-time buyer’s agent.

One of the biggest advantages of working with a buyer’s agent is that you’re less likely to have any conflicts of interest.
Unlike agents who represent buyers and sellers, buyer’s agents won’t steer you towards a home [...]

The best deals on home loans are just as good as they were in September.

The lowest rates for a 30-year, fixed-rate mortgage ranged from 5.125% to 4.875% in the 10 cities we surveyed this month, almost identical to the 5.125% to 4.625% range we found in September.
That definitely beats the best deals we were seeing [...]

The best home equity lines of credit are a little more costly this fall than they were in early summer.
Back in June a number of lenders were offering HELOCs for less than 4%. Now only a couple have deals that good, and most borrowers will pay 4.25% or more.
The cost of these variable-rate loans [...]

If Wells Fargo holds your mortgage, you could win enough money to make your payments for a year with the bank’s “$60,000 Mortgage Sweepstakes”.
Just register for Wells Fargo Online or sign on to view your mortgage account online and you’re automatically entered.
Home owners have until Nov. 25 to register, and there are two chances [...]

Holden Lewis, the mortgage expert at Bankrate.com, just published a very disturbing post on his blog.
It questions whether mortgage servicing companies that agree to modify unaffordable loans are arbitrarily canceling those deals after the borrower has successfully completed the trial period.
Lewis tells the story of a woman who signed a modification agreement and not only [...]

The best deals on home loans are considerably better than they were last summer.
The lowest interest rates for a 30-year, fixed-rate mortgage ranged from 5.125% to 4.625% in the cities we just surveyed.
That’s a little better than in August survey, a noticeable improvement over July and way better than in June.
Anyone shopping for a home [...]

You’ve got to close on your home before Dec. 1 to qualify for a tax credit that could reduce your federal taxes by as much as $8,000 from your federal taxes.
The first-time homebuyer’s tax credit has been one of the most popular parts of the economic stimulus bill Congress passed last winter.
But if you don’t [...]

This should be a great time to refinance.
The average rate for a 30-year, fixed-rate mortgage — the most popular type of home loan — fell to just 5.41% in Bankrate’s weekly survey of major lenders taken today.
The best mortgage rates in the 10 cities we surveyed in August ranged from 5.125% to 4.875%, down [...]

Want to buy a home, but don’t have much cash?
Two government programs can ensure you make the smallest possible down payment.
You can still get 100% financing if you can qualify for a VA loan. And you’ll only have to pay 3.5% of the purchase price with an FHA loan.
These are mortgages where the government promises [...]