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Refinancing & Equity
Cash-Out Refinance vs Home Equity Loan vs HELOC: Which Is Best for You?
As a homeowner, what options do you have to borrow money? Cash-out refinance, Home Equity Loans, and Home Equity Line of Credit (HELOC) are all methods of financing using the equity in your home. How do these options compare?
Should I Get Pre-Approved for a Home Loan?
If you're in the market for your next home, here's everything you need to know about whether or not you should get Pre-Approved.
Who Is Onity Mortgage
Learn about our story, who we are, and why we are now Onity Mortgage.
Browse All Articles
Stay up-to-date with our most recent articles and guides. Our experts are constantly updating our knowledge base to help you navigate the ever-changing world of home financing.
What It Means to Be an Onity Customer: Support That Goes Beyond Your Loan
Your mortgage doesn't end at closing, and neither should the value you receive from it.
When you take out a mortgage, you're not just choosing a rate. You're choosing a partner for your financial journey.
What Credit Score is Needed to Buy a House in 2026?
See what credit score you need to buy a house in 2026 by loan type, what's changed with new scoring models, and how to strengthen your score before applying.
Backyard & Outdoor Living Trends to Enjoy This Summer
Explore popular outdoor living ideas and backyard upgrades that can help maximize your space, improve curb appeal, and create an inviting outdoor environment for warmer weather.
How Much Does It Cost to Refinance? A Complete Breakdown of Fees
Refinancing comes with its own closing costs, typically 2% to 6% of your loan amount. This guide breaks down exactly what you'll pay and shares practical ways to reduce your costs and decide if refinancing is right for you.
How Does Refinancing Work? A Step-by-Step Guide for Homeowners
A step-by-step guide to refinancing: how to identify your goal, check your credit and equity, compare lenders, and navigate underwriting to closing.
What It Means to Be an Onity Customer: Support That Goes Beyond Your Loan
Your mortgage doesn't end at closing, and neither should the value you receive from it.
When you take out a mortgage, you're not just choosing a rate. You're choosing a partner for your financial journey.
What Credit Score is Needed to Buy a House in 2026?
See what credit score you need to buy a house in 2026 by loan type, what's changed with new scoring models, and how to strengthen your score before applying.
Credit Explained
Credit explained: Credit is an agreement to borrow money with the promise that you will pay it back.
Mid-Year Financial Check-In for Homeowners
Complete a mid-year check-in ensures that your mortgage, equity, and finances align with your current goals.
Can a Cash-Out Refinance be Used to Pay Off Credit Card Debt?
If you have equity in your home, refinancing can be a powerful tool for paying off debt. Discover the ins and outs of credit card debt consolidation through cash-out refinancing.
Should I Get Pre-Approved for a Home Loan?
If you're in the market for your next home, here's everything you need to know about whether or not you should get Pre-Approved.
Mortgage Loan Types Explained: A Comprehensive Guide
In the market for your next home or looking to refinance your current mortgage, but overwhelmed by the mortgage types out there? We've got you covered. Your comprehensive guide to common loan types, weighing the pros and cons of each.
Home Equity 101: A Guide to Home Equity and How to Leverage It
Unlock your home's value! Learn all about home equity - how much do you have, how do you grow it, what does it mean for your net worth, and how you can use it for anything from paying off debt to remodeling your home.
How to Get a Mortgage Pre-Approval for Buying a New Home
If you're in the market for your next home, this is a must-read. Getting Pre-Approved for your next home loan is a step you don't want to skip!
How Do I Get My Home Ready to Sell?
Preparing to list your home, but wondering where to start? Read our 7 easy steps for getting your home ready to sell.
How to Use a Mortgage Calculator to Plan Your Home Purchase
Buying a home is one of the biggest financial decisions you’ll ever make, and proper planning is key. A mortgage calculator can be your best friend when it comes to home loan planning
What is a Mortgage Rate Buydown and Can I Benefit?
Discover how a temporary mortgage buydown can help you save money and make homeownership more affordable.
Tips on Buying a New Home from Real Estate Pros
If you think buying a new home is easy, you’ve probably been spending too much time watching HGTV.
What Are the Costs of Homeownership?
You have the down payment for your new home, you’re ready to start looking for the perfect house, but have you considering the other costs that come with owning a home?
What Is PMI and Why Am I Paying It?
Learn about PMI and the ways it can be removed from your monthly payments.
7 Essential Home Financing Tips
There are certain things many homebuyers wish they had known before buying. Explore our top 7 tips.
Who Is Onity Mortgage
Learn about our story, who we are, and why we are now Onity Mortgage.
How Much Does It Cost to Refinance? A Complete Breakdown of Fees
Refinancing comes with its own closing costs, typically 2% to 6% of your loan amount. This guide breaks down exactly what you'll pay and shares practical ways to reduce your costs and decide if refinancing is right for you.
How Does Refinancing Work? A Step-by-Step Guide for Homeowners
A step-by-step guide to refinancing: how to identify your goal, check your credit and equity, compare lenders, and navigate underwriting to closing.
Cash-Out Refinance vs Home Equity Loan vs HELOC: Which Is Best for You?
As a homeowner, what options do you have to borrow money? Cash-out refinance, Home Equity Loans, and Home Equity Line of Credit (HELOC) are all methods of financing using the equity in your home. How do these options compare?
Credit Explained
Credit explained: Credit is an agreement to borrow money with the promise that you will pay it back.
Mid-Year Financial Check-In for Homeowners
Complete a mid-year check-in ensures that your mortgage, equity, and finances align with your current goals.
Can a Cash-Out Refinance be Used to Pay Off Credit Card Debt?
If you have equity in your home, refinancing can be a powerful tool for paying off debt. Discover the ins and outs of credit card debt consolidation through cash-out refinancing.
Mortgage Loan Types Explained: A Comprehensive Guide
In the market for your next home or looking to refinance your current mortgage, but overwhelmed by the mortgage types out there? We've got you covered. Your comprehensive guide to common loan types, weighing the pros and cons of each.
Home Equity 101: A Guide to Home Equity and How to Leverage It
Unlock your home's value! Learn all about home equity - how much do you have, how do you grow it, what does it mean for your net worth, and how you can use it for anything from paying off debt to remodeling your home.
How to Get a Mortgage Pre-Approval for Buying a New Home
If you're in the market for your next home, this is a must-read. Getting Pre-Approved for your next home loan is a step you don't want to skip!
Your Adjustable-Rate Mortgage: Is it Time to Refinance to a Fixed Rate?
Let's review the differences between an adjustable and fixed-rate mortgage and how to know if it's the right time to make the switch to a fixed.
What Are the Costs of Homeownership?
You have the down payment for your new home, you’re ready to start looking for the perfect house, but have you considering the other costs that come with owning a home?
What Is PMI and Why Am I Paying It?
Learn about PMI and the ways it can be removed from your monthly payments.
Top 4 Reasons to Refinance Your Mortgage in 2026
Here are the top 4 reasons why refinancing your mortgage in 2026 could be a game-changer for your financial health.
10 Things to Know Before Refinancing Your Home
Explore ten key factors you should consider before refinancing your home, from setting clear financial goals and understanding your loan options to knowing your potential closing costs.
Who Is Onity Mortgage
Learn about our story, who we are, and why we are now Onity Mortgage.
How Does Refinancing Work? A Step-by-Step Guide for Homeowners
A step-by-step guide to refinancing: how to identify your goal, check your credit and equity, compare lenders, and navigate underwriting to closing.
Credit Explained
Credit explained: Credit is an agreement to borrow money with the promise that you will pay it back.
Mid-Year Financial Check-In for Homeowners
Complete a mid-year check-in ensures that your mortgage, equity, and finances align with your current goals.
How to Get a Mortgage Pre-Approval for Buying a New Home
If you're in the market for your next home, this is a must-read. Getting Pre-Approved for your next home loan is a step you don't want to skip!
How Do I Get My Home Ready to Sell?
Preparing to list your home, but wondering where to start? Read our 7 easy steps for getting your home ready to sell.
Your Adjustable-Rate Mortgage: Is it Time to Refinance to a Fixed Rate?
Let's review the differences between an adjustable and fixed-rate mortgage and how to know if it's the right time to make the switch to a fixed.
What Are the Costs of Homeownership?
You have the down payment for your new home, you’re ready to start looking for the perfect house, but have you considering the other costs that come with owning a home?
What Is PMI and Why Am I Paying It?
Learn about PMI and the ways it can be removed from your monthly payments.
7 Essential Home Financing Tips
There are certain things many homebuyers wish they had known before buying. Explore our top 7 tips.
Who Is Onity Mortgage
Learn about our story, who we are, and why we are now Onity Mortgage.
Backyard & Outdoor Living Trends to Enjoy This Summer
Explore popular outdoor living ideas and backyard upgrades that can help maximize your space, improve curb appeal, and create an inviting outdoor environment for warmer weather.
Keep Your Home Cool This Summer: Simple Ways to Improve Comfort and Efficiency
Learn practical ways to improve your home's energy efficiency during the summer months. Discover maintenance tasks that can help your HVAC system perform at its best while keeping cooling costs under control.
Home Improvement Projects That May Increase Home Value
Learn which home upgrades can improve your living space and potentially increase your property's value. From practical improvements to modern design updates, find tips to make the most of your investment.
Mid-Year Financial Check-In for Homeowners
Complete a mid-year check-in ensures that your mortgage, equity, and finances align with your current goals.
