Our verdict: Citizens Bank is a full-service national bank that pairs a broad mortgage lineup (conventional, FHA, VA, jumbo, and a physician loan) with an easy online prequalification process and […]
Alex Lange
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Mortgage Resources
Behind on Your VA Loan? How the New Partial Claim Works, and Why Your Servicer May Not Offer It Until November 28
by Alex Langeby Alex LangeThe VA Partial Claim Program replaced VASP and opened June 15, 2026. Servicers have until Nov. 28 to offer it. What to ask for, and who to call.
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Mortgage Resources
15-Year Home Equity Loan: Rates, Payments, and Whether the Term Fits You
by Alex Langeby Alex LangeA 15-year home equity loan balances payment size and total interest. See how the term compares to 10- and 20-year options, sample…
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Mortgage Resources
Can You Refinance a Home Equity Loan? How and When It Makes Sense
by Alex Langeby Alex LangeYes — you can refinance a home equity loan several ways. See your four options, what lenders require, the costs involved, and when…
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Mortgage Resources
Waiting for Mortgage Rates to Drop? What the Jobs Report Actually Changed at the Fed
by Alex Langeby Alex LangeA weak jobs report likely killed a September Fed hike, but forecasters still see 6.4%-6.5% mortgage rates through 2026. What that means if you’re buying.
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Mortgage Resources
Student Debt Down Payment Penalty: 8 Months to 16 Years of Homebuying Delay, Depending on Your Metro
by Alex Langeby Alex LangeStudent debt adds 8 months to 16 years to the time it takes to save a down payment, depending on your metro. See your city’s number in TMR’s 2026 report.
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Mortgage Resources
Fed Holds, but Three Dissents Signal a Hike May Be Coming
by Alex Langeby Alex LangeThe Fed voted 9-3 to hold rates steady, with 3 officials voting to raise them. See how persistent inflation and Fed division affect your mortgage options.
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Mortgage Resources
Credit Card vs. HELOC for Home Improvement: How to Choose
by Alex Langeby Alex LangeDeciding how to pay for a renovation? Compare using a credit card vs. a HELOC for home improvement — by project size, cost, risk, and how…
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Mortgage Resources
Credit Card vs. HELOC for Home Improvement: How to Choose
by Alex Langeby Alex LangeDeciding how to pay for a renovation? Compare using a credit card vs. a HELOC for home improvement — by project size, cost, risk, and how…
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Mortgage Resources
The Home You Want Might Not Be on Zillow. Here’s Who’s Hiding It, and Why
by Alex Langeby Alex LangeSome homes for sale never reach Zillow. Here’s how private listings work, who benefits, and the questions buyers should ask before…