If you're buying or refinancing a house, you'll be on the hook for closing costs. But you may be able to lower the bill if ...

Pre-approval requires a more extensive look into your personal finances than pre-qualification, typically including a hard credit check and requesting proof of income.

If you're only saving a little bit each month with your new mortgage, it will take a long time to break even on your closing costs. A cash-out refinance can be a useful financial tool if you need ...