Find the best loan option for you, plus tips on how to afford a mortgage and down payment:

• Where should I shop for home loans or mortgages?
• What kinds of government loans are available to homebuyers?
• Can I tap into my IRA or 401(k) plan for down payment money?
• Should I refinance?
• What is the difference between pre-qualifying and pre-approval?
• What's the difference between a fixed and adjustable rate mortgage?
• Which is better - fixed or adjustable rate mortgage?
• What is an Annual Percentage Rate (APR)?
• How do I find the least costly mortgage? Does it make sense to pay more points for a lower interest rate?
• Does a zero-point/zero-fee loan really exist?
• What are points?
• Should I pay points?
• What does it mean to lock in a rate?
• What are low down payment options, for buyers who can't afford a 20% down payment?
• What is Private Mortgage Insurance (PMI)?
• What is a FICO score?
• What are closing costs?
• What is a Loan-to-Value ratio?
• What is an appraisal?
• What is title insurance?
• Should I consolidate my debt?
• Can my loan be sold?
• What happens if my lender goes out of business?