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Are you Hunting to Get the Lowest Refinance Rates?
24 April

Are you Hunting to Get the Lowest Refinance Rates?

How to Get the Lowest Refinance Rates If you are looking to refinance your mortgage, you will definitely want the lowest refinance rates. Before you shop around, experts say that you should understand your objective and prepare yourself and your finances to improve the way your application is viewed by…

The IRS Receives Help from Private Debt Collectors But Warns At the Same Time
19 April
Do You Have Bad Credit? Increase Your Credit Score Now!
18 April

Do You Have Bad Credit? Increase Your Credit Score Now!

What Is Considered Bad Credit? Bad credit is usually depicted as a credit score of 619 or lower. Now, I know we all go through tough times at one time or another, but the long term inability to keep up with credit obligations, typically results in bad credit. Having a…

Beware Of Phone Scams: “I Have An Emergency And I Need Money”
17 April

Beware Of Phone Scams: “I Have An Emergency And I Need Money”

Phone scams can be alarming and are no joke. Millions of Americans are targeted each year via robo dialers and that’s exactly what scammers want. They want you to listen to their story and act before you think-Unfortunately, in many cases, they are successful as people provide personal and detailed…

Ultimate Guide: How to Obtain a Good Credit Score?
14 April

Ultimate Guide: How to Obtain a Good Credit Score?

What Is Classified As A Good Credit Score? While different lenders have different standards of rating credit scores, all lenders consider 700 to 850 a good credit score. You credit score is important as it determines your eligibility on a variety of things such as qualifying for a new credit card,…

Ultimate Loan Modification Guide for Homeowners Looking for Affordable Payments
13 April
4 Home Buying Tips Every Homebuyer Must Know
12 April

4 Home Buying Tips Every Homebuyer Must Know

Are you planning to purchase a home in 2017? Buying a home can be a tedious process for first-time home buyers and also for repeat buyers as there are a lot of decisions to make along the way. Before preparing this blog, we asked our real estate agent friends to…

Ultimate Guide To Loan Amortization For Debt Payoff
11 April

Ultimate Guide To Loan Amortization For Debt Payoff

What Do You Mean By Loan Amortization? Loan Amortization is paying off a debt, (principal and interest) over time, in equal installments. The most common example of loan amortization are home loans, auto loans, and personal loans from a bank for small projects. There is an inverse relationship between the principal and interest over the life of the amortized loan. Since…

5 Tips for First-Time Home Buyers – You Cannot Neglect
10 April

5 Tips for First-Time Home Buyers – You Cannot Neglect

Tips For First-Time Home Buyers Buying your first home is a tedious yet exciting process. First-time home buyers though, often face a few roadblocks that repeat buyers don’t. This blog will help you make your home-buying process faster and smoother. Here are a few guidelines to help you navigate the process: Set a Budget As you…

Ultimate Debtor Guide: Loan Modification Vs Short Sale Vs Deed In Lieu of Foreclosure
07 April

Ultimate Debtor Guide: Loan Modification Vs Short Sale Vs Deed In Lieu of Foreclosure

Are you a distressed homeowner? Falling behind on your monthly mortgage payments and receiving  collection calls? Before you give up, you need to know what alternatives and options that can help you. Loan modifications,  short sales,  and deed in lieu of foreclosure are three options available to struggling  homeowners. Read below to…

Need To Get Out Of Debt? Dave Ramsey’s 7 Baby Steps To Financial Freedom
06 April

Need To Get Out Of Debt? Dave Ramsey’s 7 Baby Steps To Financial Freedom

About Dave Ramsey: Who is Dave Rasey? Dave Ramsey is a businessman, personal money management expert, TV personality, and radio talk show host who has helped thousands of people take charge of their financial lives and live a debt free life. Debt can be stressful for many. Dave Ramsey’s Seven Baby Steps are designed to lead debtors out of debt and  worrisome financial stress and welcome them into a life of savings and…

Advantages of Secured Credit Card vs Unsecured Credit Card
04 April

Advantages of Secured Credit Card vs Unsecured Credit Card

As you enter into the world of credit for the first time, you may come across the number of available credit card offers. Some credit cards are secured while others are not. What do you do if you have little or bad credit history? Who will accommodate you? Making bad credit…

Ultimate Guide: How to Invest in The Housing Market?
03 April

Ultimate Guide: How to Invest in The Housing Market?

I know, I know – many of you have been hearing for years that many people lost money on their houses when the bubble burst a few years ago. It made investing in real estate, a scary proposition. Now that  the situation has changed, investors search for alternatives to diversify their stock and bond-laden portfolios and  many are turning towards the real estate market. Yes, there…

Home Possible Advantage Mortgage A Smart Choice For First Time Home Buyers
31 March

Home Possible Advantage Mortgage A Smart Choice For First Time Home Buyers

According to  NAR, first time home buyers face more obstacles than repeat buyers and account for 1-in-3 homes sold nationwide. One of the biggest obstacles when purchasing a home is saving for the down payment. The second hurdle potential homeowners faced was poor credit history, making it more difficult when trying to qualify for a mortgage. With low mortgage rates and low down…

Want To Raise Money-Smart Children? This is What You Need to Do
30 March

Want To Raise Money-Smart Children? This is What You Need to Do

If you sit down with your kids down to share all of your lifetime hard-earned financial wisdom, they may not take interest, and you likely will lose your audience. On the other hand, many of us aren’t comfortable discussing money with our kids because of our lives own lack of financial savviness. Don’t worry! We have a better approach for…

Ultimate Guide To Home Inspection For Your First Home
29 March

Ultimate Guide To Home Inspection For Your First Home

Are you like the millions of people who want to move into a new home this year, or planning to buy your first home? Chances are, the home you move into won’t be a brand new one. A good way to be aware of potential problems is to have a…

The influence of US Fed Rate Hike on the common man
28 March

The influence of US Fed Rate Hike on the common man

A Fed rate hike will not directly set mortgage rates but it does affect the housing market. This rate hike, however, indicates that the United States economy is improving. The Federal Reserve raised its key rate of interest lastWednesday (the second rate hike since December)and is a sign that the U.S central bank is making plans to increase rates faster in 2017. One rate hike won’t change the world but millions of Americans will be affected by…

Top Best Home Improvement Tips: Increase Your Home’s Selling Price!
27 March

Top Best Home Improvement Tips: Increase Your Home’s Selling Price!

Are you looking to sell your beautiful home quickly but for top dollar? Christy Biberich, owner of the successful interior design firm Christy B, said: “You don’t get a second chance to make a first impression. It’s you putting your best foot forward.”    Homeownership gives you the right to modify or upgrade your valuable property. In this case, wouldn’t it make…

It’s Time For First-Time Home Buyers To Act Smart – 5 Beneficial Tax Tips!
24 March
Educate Yourself: Ultimate Insight to Mortgage Taxes in 2017
22 March

Educate Yourself: Ultimate Insight to Mortgage Taxes in 2017

For many Americans who have a mortgage on their homes, their mortgage represents the largest debt they’ll ever owe. This debt is why the federal government is encouraging big tax breaks for homeowners.  Educate yourself on how to take full advantage of these tax breaks. Mortgage interest deduction For mortgage…

Feel Harassed By a Debt Collector?  Know Your Rights When On A Collection Call
21 March
FHA Mortgage Rates Touching Highest Peaks For Homeowners
20 March

FHA Mortgage Rates Touching Highest Peaks For Homeowners

According to the Mortgage Bankers Association (MBA), for the first time since 2006, FHA mortgage delinquencies jumped in the fourth quarter to 9.02% from 8.3% in the third quarter. This troublesome signal in the housing market could put taxpayers at risk. MBA CEO David Stevens said: “We had been experiencing…

Household Debt Has Soared; Now Reaching An Alarming 2008 Level
17 March

Household Debt Has Soared; Now Reaching An Alarming 2008 Level

According to the Federal Reserve Bank of New York reports, at the end of 2016, total household debt climbed to $12.58 trillion, a significant increase of $266 billion from the third quarter.  The largest increase in almost a decade is recorded where household debt ballooned by $460 billion for the…

Thinking Of An Early Retirement? Here Are 3 Reasons You Should Not Retire Before 66
16 March
5  Ways To Make The Most Of Your Home Equity
14 March

5 Ways To Make The Most Of Your Home Equity

Home Equity is the value of a property that represents the current market value of the house in excess of a mortgage balance. This value, which is built over time, can become a powerful tool if used correctly. Here are five tips to make the most out of your home equity: Finance expensive purchases  Did…

All You Need To Know Before Applying For Cash Advance
10 March

All You Need To Know Before Applying For Cash Advance

Have you ever taken out a cash advance or did someone tell you it’s not a good idea? This blog will educate you about cash advances and what to expect.  Understand what a cash advance is Typically, a cash advance is an another name of using your credit card to get cash. Cash advances can also be…

7 Tax Deductions All Parents Can Save On In The Long Run
07 March

7 Tax Deductions All Parents Can Save On In The Long Run

Without a doubt, we all know that being a parent is a big responsibility. If you are a parent, you are constantly worried not only about your children but also making sure you have the income to support them. Well, we have good news, once a year, it pays financially…

Pro Tips: How should married couples manage finances?
03 March

Pro Tips: How should married couples manage finances?

The first real “money talk” with your partner might be little awkward, but it is vital for a healthy personal and financial relationship. According to a report from the financial planning website LearnVest, 68% of Americans who are in relationships say that their finances are more of a source of…

Sean Talks Money: How To Improve Your Child’s Credit Score
02 March

Sean Talks Money: How To Improve Your Child’s Credit Score

My sister Megan is a college student and only 19 years old. She called me asking for advice on getting a new credit card for herself. Because she’s a college student, I thought she’d qualify only for a student or secured credit card. Before I asked what her credit score was,…

How To Reduce Fees For 401(K) Plan Before Retiring?
01 March

How To Reduce Fees For 401(K) Plan Before Retiring?

Many Americans find 401(k) plans the easiest way to save for retirement yet many have no idea how much their plan may be costing them. According to a study conducted by the Investment Company Institute, 401(k) plans held an estimated $4.4 trillion in assets across fifty-two million participants. The AARP study showed that 71% of participants thought that their 401(k) was free, something that simply isn’t true. As…