We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.
Applying for a mortgage is confusing for most people, even if they’ve done it before. One of the most difficult concepts for homeowners to grasp is the difference between mortgage interest rates and annual percentage rates (APRs). Both tell you something about the affordability of the loan, but they […]