Keith ­Gumbinger

Keith ­Gumbinger, vice president of New Jersey–based HSH Associates, which publishes consumer loan information. HSH.com

Should You Co-Sign on Your Child’s Mortgage?
Real Estate

Should You Co-Sign on Your Child’s Mortgage?

Keith ­Gumbinger | June 11, 2024

Co-signing on a mortgage might seem like a way to help a family member buy a home in this difficult…

Strategic Money Moves for a Tough 2023
Personal Finances

Strategic Money Moves for a Tough 2023

Neena Mishra, CFA | December 15, 2022

There are tough times ahead, as investors and consumers head into decades-high inflation, fast-­rising interest rates and an economy teetering…

6 Strategies To Help Your Child Buy A Home
Family

6 Strategies To Help Your Child Buy A Home

Keith ­Gumbinger | March 18, 2022

Young adults aren’t just borrowing from banks to buy their first homes—many are asking for help from mom and dad.…

Mortgage Lenders More Generous With Points
Mortgages

Mortgage Lenders More Generous With Points

Keith ­Gumbinger | April 15, 2021

If you're in the market for a “jumbo” mortgage, paying discount points upfront could be a great deal.

Mortgage Loans Harder to Obtain
Mortgages

Mortgage Loans Harder to Obtain

Keith ­Gumbinger | March 4, 2021

Mortgage rates are at record lows, but borrowers are increasingly likely to have mortgage applications denied as lenders fear defaults.

Have Mortgage Rates Dropped Enough for You to Refinance?
Mortgages

Have Mortgage Rates Dropped Enough for You to Refinance?

Keith ­Gumbinger | September 9, 2019

Here’s how to decide whether sunken mortgage rates make it worthwhile to refinance your home loan.

How Shared Appreciation Mortgages Help With Down Payment
Mortgages

How Shared Appreciation Mortgages Help With Down Payment

Keith ­Gumbinger | February 1, 2018

What if you could take out a loan on your home and not pay it back until you sell your home? That’s what some finance companies have begun to offer.

Should You Consider an Adjustable-Rate Mortgage Now as Rates Rise?
Mortgages

Should You Consider an Adjustable-Rate Mortgage Now as Rates Rise?

Keith ­Gumbinger | January 31, 2018

Adjustable-rate mortgages are gaining popularity. But consider the hazards carefully before signing up for one.

How Retirees and Near-Retirees Can Overcome Hurdles to Get a Mortgage
Mortgages

How Retirees and Near-Retirees Can Overcome Hurdles to Get a Mortgage

Keith ­Gumbinger | August 31, 2017

Here’s what retirees and people nearing retirement need to know to not only get approved for a mortgage, but to get an attractive rate as well.

The Shrewdest Money Moves You Can Make In 2017
Portfolio Strategy

The Shrewdest Money Moves You Can Make In 2017

Keith ­Gumbinger | February 10, 2017

The nation’s new political landscape is having a profound impact on financial matters ranging from stocks and bonds to credit…

Appraiser Shortage Complicates Home Sales
Buying & Selling

Appraiser Shortage Complicates Home Sales

Keith ­Gumbinger | September 20, 2016

A shortage of real estate appraisers is delaying home purchases and sales in parts of the US. The number of appraisers—the…

Questions to Ask: When Shopping for a Mortgage
Mortgages

Questions to Ask: When Shopping for a Mortgage

Keith ­Gumbinger | August 21, 2016

Applying for a mortgage has become a lot safer than it used to be thanks to consumer protections instituted after…

Attention Savers, Borrowers, Credit Card Users!
Credit & Debt

Attention Savers, Borrowers, Credit Card Users!

Tom Parsons | April 14, 2015

What to Do Now That Interest Rates Are So Low Just a few months ago, it seemed like a sure…

Home Equity Lines of Credit: The New Rules
Credit & Debt

Home Equity Lines of Credit: The New Rules

Keith ­Gumbinger | August 21, 2014

Home-equity lines of credit, which became scarce as banks pulled back and consumers grew wary during the housing market bust,…

You Can Win the Refinancing Game: Strategies to Get the Lowest Mortgage Rate
Mortgages

You Can Win the Refinancing Game: Strategies to Get the Lowest Mortgage Rate

Keith ­Gumbinger | October 4, 2012

With mortgage rates at record lows, this seems like a perfect time to refinance—except for the fact that many home…