Mortgages
News, insights and expert analysis on mortgages from the team at Kiplinger.
Latest
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Find Your Monthly Payment With This Mortgage Calculator
Tools With our mortgage calculator, you can easily determine your monthly mortgage payment.
By Carla Ayers
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10-Year Treasury Yield's Effect on Mortgage Rates
Where the 10-year Treasury yield moves, mortgage rates follow. Learn why they are connected and how they impact homebuyers.
By Sean Jackson
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How Federal Reserve Rate Decisions Impact Mortgage Rates in 2026
Mortgage rates are still fluctuating after a series of Fed rate cuts. Learn how interest rate changes affect your monthly payments and what buyers should watch for this year.
By Dori Zinn
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How to Choose a Mortgage Lender in Five Steps
Not all lenders are created equal — here’s how to compare offers, rates and terms with confidence.
By Dori Zinn
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What to Watch for When Refinancing Your Home Mortgage
A smart refinance can save you thousands, but only if you know how to avoid costly pitfalls, calculate true savings and choose the right loan for your goals.
By Paige Cerulli
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Builders Are Offering Big Mortgage Incentives — What Homebuyers Should Watch For
Builder credits and below-market mortgage rates can ease affordability pressures, but the savings often come with trade-offs buyers should understand before signing.
By Choncé Maddox
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How a Home Equity Line of Credit (HELOC) Works
You can use home equity to pay off high-interest debt or improve your home, but it’s important to understand the risks.
By Emma Patch
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My Mortgage Rate is 6.5%. Should I Refinance If Rates Fall By Half a Point
A half-point dip may not be enough to offset closing costs. Here's the magic number that makes refinancing pay off.
By Choncé Maddox
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Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.
By Daniel Bortz
Becoming a Homeowner
