Mortgage rates are significantly higher than their sub-3% lows from 2021, but compared to the 1980s, they’re pretty low. There’s no crystal ball to show how rates will move in the coming months or years. Still, understanding historical mortgage rate trends can help you make a more informed home-buying decision — and maybe lift a weight off your shoulders when you realize that, historically speaking, today’s interest rates aren’t as high as you might think. Read more: The best mortgage lenders for first-t ...

Years ago, reverse mortgages had a shady reputation for putting older homeowners into too much debt. Now, thanks to higher standards and oversight, these mortgage types can be great tools for seniors looking to boost their income during their retirement years. Best reverse mortgage lenders of October 2025 Best reverse mortgage company overall: Mutual of Omaha The Yahoo view: Mutual of Omaha consistently ranks among the top-volume reverse mortgage lenders in the nation and offers an extensive selec ...

FHA贷款限额政策 - 2025年FHA贷款限额根据地区成本差异划分 低成本地区单户住宅限额为524,225美元（全国合规贷款限额806,500美元的65%）[4][5] - 高成本地区单户住宅限额为1,209,750美元（全国合规贷款限额的150%）[4][5] - 限额标准按物业类型分级 四单元物业限额高于单户住宅[2] FHA与传统贷款对比 - FHA贷款限额普遍低于合规贷款限额 单户住宅限额相差282,275美元[6] - 传统合规贷款允许最低3%首付 与FHA贷款最低首付比例持平[7][9] - FHA贷款无需收入上限要求 但需满足债务收入比低于43%的标准[7][11] FHA贷款资格要求 - 信用评分580分以上可获3.5%最低首付优惠 500-580分需10%首付[7] - 贷款审批综合考虑债务收入比 生活开支 资产状况和房产价值[10] - 强制要求支付1.75%前期抵押贷款保险费 及按贷款期限与价值比计算的年度保险费[9][12] 替代贷款方案 - VA贷款与USDA贷款提供零首付方案[9] - 信用评分达620分以上时可优先考虑传统贷款方案[8] - FHA贷款需进行专项房产评估 必须满足最低财产标准[12]