Ethan Ellis
Mortgage paperwork can feel like a maze, so I break down how buying, refinancing, and borrowing against your home actually work. My articles walk through pre-approval steps, refinance break-even math, HELOC versus home equity loan choices, and what homeowners 62 and older should know about reverse mortgages. I also cover the everyday stuff that trips people up, like credit scores, closing costs, escrow, and how extra payments chip away at interest. Everything I share is plain-English education built around MortgageZone's comparison tools, not loan offers or advice, since quotes and terms always come from the network's lenders. If you want to compare options without the jargon, start with the guides here and run your own numbers.
Articles by Ethan Ellis
Nov 2, 2026 · Home Financing, Loan Comparison
Credit Score for Conventional vs FHA: What You Need
See the minimum credit scores for conventional and FHA loans, the pricing cliffs that affect your rate, and how to save thousands by timing your purchase.
Oct 20, 2026 · Home Buying, Home Financing
How Much Cash Do I Need to Close on a House?
Get a clear breakdown of the cash needed to close on a house, including down payment, closing costs, and prepaid items, so you can budget with confidence.
Oct 19, 2026 · Refinancing, Credit Management
Refinancing With Bad Credit: Options for Homeowners
Refinancing with bad credit options for homeowners include FHA, VA, and lender-specific programs. Compare quotes to find your best rate.
Oct 18, 2026 · Mortgage Basics, Mortgage Education
Understanding Mortgage Underwriting Conditions and Approval
Understanding mortgage underwriting conditions and approval helps you respond fast, clear conditions, and reach clear-to-close without delays.
Oct 15, 2026 · Refinancing, Mortgage Education
Mortgage Recasting vs Refinancing for Lower Monthly Payments
Mortgage recasting vs refinancing lower monthly payment: compare costs, timelines, and when each option saves you the most money.
Oct 6, 2026 · Refinancing, Government Loan Programs
Streamlined Refinance FHA VA USDA Programs: 2026 Guide
Streamlined refinance FHA VA USDA programs can cut your payment with less paperwork and no appraisal in many cases. Compare offers and keep more cash monthly.
Oct 5, 2026 · Mortgage Education, Market Analysis
How Economic Trends Impact Mortgage Rates: A 2026 Guide
See how inflation, Fed policy, and jobs data drive mortgage rates, and get practical tips to lock in a better deal.