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Ally Savings Account FeaturesInterest Rates and APYThe Ally Savings Account interest rate is strong. How Ally Savings WorksAccount Opening ProcessLike many online banks, opening a savings account with Ally is pretty easy and quick. How Ally Savings Account Rates CompareAlly Savings Account vs. If you're just looking for a savings account (and maybe a CD), you might like the Marcus High Yield Online Savings Account. Ally Savings Account FAQsIs the Ally Savings Account safe?

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To help you get started, CNBC Select rounded up a list of the best mortgage lenders first-time homebuyers should consider. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

One criteria mortgage lenders use to assess your mortgage application is the debt-to-income ratio (DTI). According to a breakdown from The Mortgage Reports, a good debt-to-income ratio is 43% or less. That's why many common forms of debt — like student loan debt or credit card debt — can be a major barrier to homeownership. For example, Ally Bank doesn't charge certain lender fees such as an application fee, origination fee, processing fee or underwriting fee. This is why they calculate a debt-to-income ratio to judge how much of your income goes toward debt payments.

Below, Select takes a closer look at four of the best mortgage lenders that don't charge origination fees (see our methodology below). Ally Bank doesn't charge application fees, origination fees, processing fees or underwriting fees — the lender may, however, charge appraisal fees and recording fees, as well as for title searches and insurance. PenFed offers a variety of mortgages with no lender fees, including no origination fees, though other types of fees may apply. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Below, CNBC Select takes a closer look at three of the best mortgage lenders that don't charge origination fees (see our methodology below). Ally Bank doesn't charge application fees, origination fees, processing fees or underwriting fees — the lender may, however, charge appraisal fees and recording fees, as well as for title searches and insurance. See our methodology for more information on how we choose the best mortgage lenders that don't charge origination fees. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

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Types of loans Conventional, FHA, VA, USDA, Arrive Home, Zero Down, jumbo, construction, refinancing, reverse mortgagesTerms 15 to 30 yearsCredit needed 540 for FHA, VA and USDA loans; 600 for Zero Down; 620 for conventional loans, 680 for jumbo loans. Standout benefits: You can be approved for a conventional mortgage with as little as 3% down and no mortgage insurance. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. After reviewing the above features, we sorted our recommendations by best for no down payment, affordability, no lender fees, low-income borrowers, VA loans, USDA loans and online lenders.

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Market forces may influence the general range of mortgage rates but your specific mortgage rate will depend on your location, credit report and credit score. The higher your credit score, the more likely you are to be qualified for a lower mortgage interest rate. Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. In addition to these loans, lenders may also offer USDA loans and jumbo loans. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

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