Author
Marianne Hayes, Personal Finance Writer
Marianne Hayes is a longtime freelance writer who's been covering personal finance and home ownership for over a decade. She has written for CNBC, Redbook, Cosmopolitan, Good Housekeeping and more. Marianne lives in Tampa with her three daughters and two miniature Dachshunds.
Articles by Marianne Hayes
How Long Should You Stay in Your Home After Refinancing?
Selling your home too soon after refinancing could result in financial losses. Learn when selling can be beneficial versus a financial strain.
4 Mortgage Refinancing Trends: What to Expect in 2026
Interest rates are on the decline, but the current economic outlook for the next year is unclear. Learn what to expect if you’re looking for a lower mortgage rate in 2026.
Refinancing for a Lower Interest Rate: How Much Can You Save?
Refinancing and locking in a lower mortgage rate can save you a significant amount of money in the long run. Explore how mortgage refinancing can help your personal finances.
Refinancing for Retirement: Is It a Smart Move?
Refinancing your mortgage loan could be part of your comprehensive retirement strategy. Here's a look at whether this could be a smart move for retirees.
Cash-Out Refinance Before the Holidays: Timing Tips
Decide if a cash-out refinance before the holidays can free cash, lower payments, and when closing costs or timing make it not worth it.
Cash-Out Refinance FAQs: 11 Questions to Ask
11 essential questions to determine if a cash-out refinance fits your goals—calculate equity, costs, break-even, tax impacts, and required documents—fast.
Cash-Out Refinance Vs. Home Equity Loan: How to Choose
Clear comparison of cash-out refinance vs home equity loans: pros, costs, and which option best fits your financial needs.
How Your Credit Score Affects Refinancing
Understand how your credit score affects refinance rates, typical minimums, and practical steps to improve your odds of a lower mortgage rate.
Refinancing Your Mortgage: Costs, Fees & Break-Even
Understand refinancing closing costs, how to cut them, and calculate your break-even so you can decide if refinancing will save you money.
How Real Estate Agents Get Paid: Commissions Explained
Understand how agents get paid—typical 4–6% commissions, who pays, 2024 NAR rule changes, and how fees may affect your home purchase.