Mortgage decisions span both shopping (which lender, which loan type) and timing (when to lock, whether to refinance, whether to use a HELOC instead). The pages below cover both. Most prospective buyers should start with the affordability calculator to set a realistic price ceiling, then read the rate shopping guide before contacting any lenders.
Existing homeowners considering refinance or HELOC should read both the HELOC comparison and the refinance calculator before deciding which instrument fits their specific situation.
Affordability and shopping
Mortgage affordability calculator
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Maximum home price based on income, debts, and DTI ratio
Mortgage rate shopping strategy
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How to shop rates in 5 days without damaging your credit
How much mortgage can I afford in 2026?
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The 28/36 rule and what to add to it for current rates
First-time home buyer loan guide
→FHA, conventional, USDA, and VA — what to choose