Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

Refinancing remains a crucial part of the mortgage news cycle, but there’s other important stuff going on, too. As the end of the summer draws near, here’s what you need to know. (And no, cooler temperatures do not hold any promise for a significantly cooler housing market. We’re sorry.)

1. Why are you (yes, you) still waiting to refinance?

Bankrate’s latest survey shows that 74 percent of Americans have opted out of refinancing, missing out on savings of $250 per month or more. As interest rates trend upward, the opportunities for savings will dwindle. Don’t miss out and leave money on the table. Consider refinancing while rates remain historically low.

Read the story.

2. Businesses are trying to make the housing market more equitable

The gap between Black and White homeownership rates is stubbornly persistent, but companies from Wall Street giants like JPMorgan Chase to small startups are all working on ways to give minority buyers a boost. Bankrate took a look at a few of the efforts underway.

Read the story.

3. Technology comes for home staging

Historically, difficult property listings have benefited from physical staging: bringing in fancy furniture and generically nice looking art. Staging in real life can be prohibitively expensive, but as photo editing capabilities get ever better, more home sellers find they can do touchups to their property without breaking the bank.

Read the story.

4. Why you should consider buying a place for your college-bound kid

College is expensive, and room and board can be a significant cost on top of tuition. In response, more and more parents are using their children’s college years as an opportunity to get into real estate investing. Rather than giving money to a school, they’re purchasing properties in university towns and putting the cash that would otherwise go to room and board toward a mortgage.

Read the story.

5. Mortgage rates down again

Finishing back where we started, with another gentle reminder that now is a great time to refinance. Mortgage rates fell this week, meaning it’s a pennywise decision for more homeowners.

Read the story.