Freedom Mortgage Learning Center
The Knowledge You Need to Choose the Right Loan!
How to Apply for a Mortgage
About Your Mortgage Loan Application
What Is Mortgage Insurance?
Compare Different Loan Types and the Cost of Your Payments
Closing Costs: What They Are and What You Can Expect to Pay
What You Can Expect to Pay on Closing Day
Federal Reserve Meeting Statement – December 2025
The Fed reduces rates by another 25 basis points (0.25%)
Appraisal Contingency: What It Is and How It Can Help
An Appraisal Contingency Protects You from Paying More than a Home Is Worth -- or Having Problems with Your Loan-to-Value Ratio
Mortgage Interest Rate vs. APR vs. APY Explained
Learn the Difference Between Common Financial Terms
How to Buy a House
Six Steps for Buying Your Next Home
Mortgage Prequalification
What It Is and How It Works
How Much Money Do You Need to Buy a House?
Decide Whether You Can Afford to Buy a Home
Are There First-Time Homebuyer Tax Credits?
A guide to government incentives that can lower your housing costs
Guide to Buying a Second Home
Learn the Requirements for Buying a Second House
The Cheapest States to Buy a House in the U.S.
Home Affordability by State
How Much Does It Cost to Refinance a Mortgage?
Average Refinance Closing Costs, “No Cost” Refinancing, and More
Should You Refinance Your Mortgage?: 7 Questions to Ask
What Questions You Should Ask Before Refinancing
How to Remove PMI from Your Mortgage
Removal of Mortgage Insurance on FHA and Conventional Loans
Refinancing an FHA Loan to a Conventional Loan
What Goes into Refinancing an FHA Loan to Conventional?
Can You Refinance an ARM Loan to a Fixed-Rate Mortgage?
A Guide to Refinancing Your ARM to a Fixed-Rate Mortgage
Should You Pay off Your Mortgage Early?
Find Out if Making Extra Mortgage Payments Makes Sense for You
5 Reasons to Get a Cash Out Refinance
Your Home’s Equity Can Help You Get Cash
A Guide to Home Equity
Learn About Home Equity and How It Affects Your Finances
Cash Out Refinance Credit Scores
Find Out the Minimums for Conventional, FHA, and VA Loans
Home Equity Loan vs. Home Improvement Loan: Which is Best?
Compare Financing Options for Your Home Improvement Goals
Cash Out Refinancing on Investment and Rental Properties
Learn More About the Benefits, Costs, and Requirements
How Much Does a Home Renovation Cost?
Home Projects Can Increase the Value of Your Home
How To Apply for a VA Home Loan: 7 Steps
Learn More About Eligibility and VA Loan Applications
How to Apply for an FHA Loan
Learn More About Eligibility and FHA Loan Applications
FHA vs. Conventional Loans: How They Compare
See if an FHA or Conventional Loan Is Best For You
VA Loan Debt-To-Income Ratio
A Brief Explanation of DTI Ratio for VA Loans
How Much House Can You Afford with an FHA Loan?
A Simple Breakdown of How Much House You Can Afford with an FHA Loan.
How Much Can You Afford With a VA Loan?
No required down payments make these loans an attractive option
Need Help Crunching the Numbers?
Home Affordability Calculator
Estimate the prices of homes you can afford and the monthly payments that might come with them.
Refinance Calculator
Find out how much you might save by lowering your interest rate.