Compare Home Loans
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Mortgage resource
Understand Home Loan and Refinance Options
Compare rates, APR, closing costs, mortgage insurance, loan term, and refinance break-even points.
Compare home loans
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Home loans and refinance decisions involve larger balances, longer repayment terms, closing costs, and stricter documentation than most personal loans. Use this page as an educational starting point before speaking with a lender.
Loan types to understand
- Conventional loans: Loans not insured by a government program.
- FHA loans: Government-insured loans with program-specific rules.
- VA loans: Loans for eligible service members, veterans, and certain surviving spouses.
- USDA loans: Loans for eligible rural properties and borrowers.
- Refinance loans: New mortgage loans that replace an existing mortgage.
Costs to compare
Compare interest rate, APR, discount points, lender fees, closing costs, mortgage insurance, loan term, prepayment rules, and whether the payment includes taxes and insurance.
Before refinancing
Estimate the break-even point. A lower rate may not save money if closing costs are high or if you plan to move before the savings catch up.
Sources reviewed: CFPB mortgage education and VA/FHA/USDA program overview materials.
