If you're stuck in a no-win situation with credit card bills or other debts, a debt consolidation loan can streamline multiple payments into a single monthly bill at a lower interest rate. Many ...

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While filing for bankruptcy can provide breathing room in your budget, it can also have lasting negative effects on your credit and finances. If you need to apply for a personal loan to cover ...

If you have a steady income and a credit score above 620 but can’t save enough for a sizeable down payment, you might be eligible for an HFA loan. An HFA loan is a special type of mortgage that your ...

It's hard to buy a home with less-than-perfect credit: Most mortgage lenders require a FICO ® Score of at least 620 for a conventional mortgage. If you don't hit that threshold, the homebuying process ...

An adjustable-rate mortgage, or ARM, is a type of home loan with an interest rate that can change over time. Most ARMs have rate caps that limit how much rates can fluctuate when they adjust. The vast ...

Jeanne Gobat is a Senior Economist in the IMF’s Monetary and Capital Markets Department. Opinions expressed in articles and other materials are those of the authors; they do not necessarily reflect ...