Henry Turner
Mortgages are confusing on purpose, and my job here is to make them less so. I write about comparing rates on home purchases, refinances, home equity loans, and reverse mortgages, plus the tools and terms that actually shape what you pay, like APR, rate locks, and closing costs. I come to this as a researcher, not a lender, so I stick to what the numbers and the fine print say instead of sales pitches. RateChecker is a comparison platform, not a bank, so I can walk through how to weigh offers from multiple lenders without pretending to give lending advice. If you are buying your first home or just trying to figure out whether refinancing makes sense, that is who I am writing for.
Articles by Henry Turner
Oct 31, 2026 · Mortgage Education, Home Buying Resources
How to Calculate Loan-to-Value Ratio for a Mortgage
Master how to calculate loan-to-value ratio for a mortgage and see how LTV tiers affect your rate, PMI, and approval odds before you apply.
Oct 31, 2026 · Home Buying Guides, Home Buying Strategy
How to Handle a Low Appraisal When Buying a Home
A low appraisal can derail your home purchase. Learn how to handle a low appraisal when buying a home by renegotiating, challenging the value, or adjusting your loan.
Oct 29, 2026 · Home Buying Resources, Credit and Loans
How Student Loan Debt Affects Mortgage Approval
See how student loan debt affects mortgage approval through DTI rules, then lower your counted payment to boost pre-approval amounts and rate offers.
Oct 24, 2026 · Homeowner Financial Planning, Reverse Mortgage Education
Reverse Mortgage Line of Credit vs Monthly Payments: Which Is Better?
Compare a growing reverse mortgage line of credit vs monthly payments to see which payout structure best fits your retirement cash flow and estate goals.
Oct 23, 2026 · Home Buying Resources, Homeowner Financial Planning
Property Tax Proration at Closing Explained for Buyers
Property tax proration at closing explained: learn how taxes are split by days of ownership and avoid surprise bills at settlement.
Oct 21, 2026 · Mortgage Education, Mortgage Rate Comparison
Mortgage Discount Points Break Even Calculation Explained
Use the mortgage discount points break even calculation to see exactly when paying points pays off and avoid wasting cash on unrecouped savings.
Oct 10, 2026 · Mortgage Rate Education, Home Buying Resources
Mortgage Rate Lock Extension: What to Do When It Expires
Mortgage rate lock extension what to do: compare fees, negotiate waivers, and decide whether to pay, re-lock, or float before closing.
Oct 10, 2026 · Mortgage Rate Education, Mortgage Rate Trends
How Inflation and Fed Rate Hikes Affect Mortgage Payments
Inflation and Fed rate hikes can raise your monthly mortgage payment by hundreds. See how rates flow through and protect your budget in 2026.