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Phillip Spears/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways A no-doc mortgage lets you qualify for a home loan without some of the income and employment verification paperwork lenders traditionally require, like W-2s and pay stubs. Post-Great Recession, no-doc mortgage loans are much harder to come by. No-doc loans…

PeopleImages/Getty Images Key takeaways By refinancing an FHA loan to a conventional loan, you could lower your interest rate and eliminate mortgage insurance payments. To qualify for a conventional refinance, you’ll need a minimum 620 credit score and a maximum debt-to-income ratio of 45 percent. Keep in mind that refinancing…

Key takeaways IHG One Rewards points are worth approximately 0.7 cents per point, per our recent valuations. However, members may get more or less value for their rewards depending on how they redeem them. There are several ways to maximize IHG One Rewards points for more value, including being flexible…

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…