About the Author

Rick Grant has been covering financial services for the trade press for over 15 years. He specializes in home finance and technology.

Stories by Rick Grant

sweet home sign

Planning Your First Home Buying Experience

Investing time now to sort out your goals and devise a plan for how you’ll achieve them can make your house hunt smoother and less stressful.

house on packs of banknotes

Understanding the Anti-Steering Protection Act

Dodd-Frank Act prohibits loan originators from getting paid based on the terms of the mortgages they sell.


Why Are Jumbo Loans Getting So Much Attention?

In today’s market, mortgage lenders are happy to tell you about their low jumbo loan rates for a number of reasons.

Appraisal report

Making Sense of Your Appraisal Report

Here is a simple guide to help you understand this sometimes very confusing document.


Understanding Mortgage Closing Costs

Almost all closing costs relate to fees that the mortgage lender is charged by a third-party company and then passes on to the borrower.


How to Find Home Buying Credits

Here’s a look at some of the most common home buying credits, along with information about how to find them.

Writing the Check

Understanding the New Ability to Repay Rule

The next time you go back to the bank for a new mortgage loan, your lender may be asking you a few more personal questions.


Understanding the Qualified Residential Mortgage

As the Consumer Financial Protection Bureau (CFPB) continues to work its way through the rule-making process, consumers are reading more about what banks are doing to deal with the changes.


Investing in Real Estate With Cash? Why You Might Want to Reconsider

While using your own money to invest in real estate may sound like a good idea on the surface, there are a number of reasons why it is not.

Scratching head

Understanding Your Mortgage Disclosures

Understanding the primary purpose and function of these documents will make your mortgage process much less intimidating.

FHA ownership

Is an FHA Loan Right for You?

Since the Great Depression of the 1930s, the U.S. government’s Federal Housing Administration (FHA) has provided a form of mortgage […]


Getting Approved: How Lenders Judge You

In general, a lender’s underwriter will attempt to verify two primary things in order to meet the bank’s criteria for offering you a loan: general creditworthiness and debt-to-income ratio.


Mortgage Financing: Loan Products 101

When it comes time to finance the purchase of your new home, picking the right loan product can make it easier to get qualified and save you a significant amount of money over the course of the loan term.

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