Mortgage Education Blog

Lifting the curtain on mortgage lending
A Retiree’s Guide to Mortgage Refinancing

A Retiree’s Guide to Mortgage Refinancing

Congratulations, you’ve made it to retirement. Now what? Golf, travel, relax by the beach, refinance your mortgage. Say, what? Conventional wisdom holds that you shouldn’t have a mortgage to pay by the time you are retired. After all, a life free of mortgage payments...

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The Pros & Cons of the New 40 Year Mortgages

The Pros & Cons of the New 40 Year Mortgages

You’ve heard of the 15-year mortgage and the 30-year mortgage, but soon, for a select group of borrowers, there’ll be a 40-year mortgage option. Ginnie Mae, the government-owned mortgage bond corporation, recently announced a new, longer mortgage term, available to...

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SELFi vs. Better Mortgage: Who’s better?

SELFi vs. Better Mortgage: Who’s better?

Here's how SELFi compares to Better Mortgage: 1. Interest Rates Let's cut right to the chase. First, how the business models differ: SELFi is a marketplace that shops wholesale interest rates across 15 lending partners, using an algorithm to match the lowest rate...

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How to buy a home in Oakland with 3% down

How to buy a home in Oakland with 3% down

Often the biggest misconception of first-time home-buyers is the down payment. Some think it’s 20%, others think it’s 0%. Here's the real deal: For mortgages $484,350 and below, there are two programs called HomeReady and HomePossible. There are some minor differences...

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SELFi vs. LendingTree: Comparison

SELFi vs. LendingTree: Comparison

Everyone knows that comparison shopping saves them money, yet when it comes to mortgages, many people don't. According to a report by the CFPB and Federal Housing Agency, 50% of consumers failed to shop around with mortgage companies before applying. Furthermore, 75%...

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Do you know about wholesale interest rates?

Do you know about wholesale interest rates?

I always tell people, the biggest competition for SELFi is consumer misunderstanding. The more knowledgeable a customer is about mortgage rates, the more likely SELFi will earn his or her business. So we are in the education business just as much as the mortgage...

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