A rate-and-term refinance involves refinancing an existing mortgage to lower interest rates or modify loan terms without ...

A cash-out refinance replaces your current mortgage with a new, bigger one. The borrower receives the difference between the two balances in cash. The terms of your refinanced mortgage might differ ...

You won’t owe taxes on the cash you receive from a cash-out refinance. If you use the cash to fund capital improvements on your home, the interest may be tax-deductible. Any mortgage interest you ...

After years of elevated borrowing costs, homeowners finally began to see some relief in late 2025. The Federal Reserve's December rate cut, the third of the year, capped off a series of moves that ...

The economy is posing problems for many Americans. Inflation has remained stubborn for months, and a growing number of Americans are struggling with rising credit card debt. The number of Americans ...

Jason Ruedy, known as The Home Loan Arranger, is a Colorado mortgage expert with over three decades of experience helping Americans achieve homeownership and financial stability. His client-focused ...